A premium credit card for travel benefits exclusively for doctors sums up HDFC's Doctor's Superia Credit Card quite well. You earn rewards at an accelerated pace, convert them to air miles, and redeem these miles for flight tickets from over 20 international airlines. With an annual fee of Rs.1,000, this card is a card that doctors should consider.
Other HDFC Bank Credit Cards
Make a minimum of 4 transactions (of Rs.100 or more) per calendar month and get:
Make a purchase of Rs.5,000 or more using your Doctor's Superia Credit Card and enjoy:
Spend more than Rs.5 lakh and redeem your points for an air voucher worth Rs.8,000 or corresponding air miles.
Welcome Benefit and Renewal Benefit
Waiver on First Year and Subsequent Years' Fees
If you lose your card or discover that it has been stolen, call HDFC's customer care centre immediately. The bank will block your card and you won't be held liable for unauthorised transactions made on your card.
The limit on your credit card is determined by the bank. It's based on multiple factors such as your employment status, your age, income, your credit history, the amount of debt you currently have, and of course, your credit score.
As such, the credit limit on your card may differ from that on your friend or colleague's credit card.
Here are some deals and offers you can take advantage of:
You already know that you get 3 Reward Points for every Rs.150 that you spend. You also get 50% more Reward Points when you use your credit card at restaurants.
Additionally, you can earn points at an accelerated rate with the welcome and renewal bonus.
You can redeem your Reward Points by:
You can apply for the HDFC Bank Doctor's Superia Credit Card on the bank's website. When you select the 'Apply Now' option on the website, you will be redirected to a page with the credit card application form.
Fill in the required details. These details include your mobile number, PAN number, and your income.
Once you submit the form, you will either receive an SMS from the bank or a call from an HDFC representative.
|First-year fee||Rs.1,000 (reversed if you spend Rs.15,000 within the first 90 days of card set-up)|
|Annual fee (second year onwards)||Rs.1,000 (reversed on annual spends of Rs.1 lakh in the previous year)|
|Interest rate||3.49% per month|
|Minimum repayment||5% or Rs.200, whichever is greater|
|Late payment fee||
|Cash advance limit||40% of the credit limit|
|Cash advance charge||2.5% of the amount withdrawn or Rs.500, whichever is higher|
|Over limit charge||2.5% of the amount that is over limit or Rs.500, whichever is higher|
|Fuel surcharge waiver||Capped at Rs.250 per billing cycle (GST charged on fuel surcharge is not refundable)|
|Foreign currency mark-up fee||3.5% of the transacted amount|
Only doctors are eligible to apply for this card. Other eligibility criteria for this card are:
When you apply for your Doctor's Superia Credit Card, you will be expected to provide certain documents. While the documents required may differ from person to person, in general, these documents will have to be provided by all applicants:
Your Reward Points are valid for 2 years from the date on which you accumulate them. For instance, if you earn points in June 2023, it will be valid until June 2025.
No. The 50% more Reward Points is only applicable on dining at restaurants. Therefore, you get these points on transactions classified under the 'Restaurant' merchant category code (MCC). Hotels are classified under 'Hotel' merchant category codes. As such, dining at a restaurant in a hotel will not be eligible for this reward.
Yes. However, Reward Points earned on insurance transactions will be capped at 2,000 Reward Points per transaction.
No. You can convert your points only to the frequent flyer programme of Singapore Airlines - KrisFlyer. However, you can redeem KrisFlyer miles for tickets from over 20 international airline carriers.
You get to enjoy an interest-free period up to 50 days with the HDFC Bank Doctor's Superia Credit Card.
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