Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bank Doctor’s Superia Credit Card

    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.

  • We found 1 HDFC Bank Doctor’s Superia Credit Card
    1st Year Fee
    Joining Perks
    Reduced to 0 On spends of 15,000 in 90 days 1000
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    Fee Details

    Key Highlights of Doctor's Superia Credit Card

    • 3 Reward Points per Rs.150 spent.
    • Welcome benefit of 1,000 Reward Points and renewal benefit of Rs.1,000 points.
    • 50% more Reward Points when used at restaurants.

    Other HDFC Bank Credit Cards

    Features and Benefits of HDFC Bank Doctor's Superia Credit Card


    • 3 Reward Points per Rs.150 spent on eligible retail purchases.

    Dining Benefits

    • 50% more Reward Points when you dine at restaurants.

    Insurance Coverage

    Make a minimum of 4 transactions (of Rs.100 or more) per calendar month and get:

    • Up to Rs.50 lakh complimentary accidental death insurance coverage.

    Make a purchase of Rs.5,000 or more using your Doctor's Superia Credit Card and enjoy:

    • Purchase protection for fire and burglary: For personal portable equipment, the insurance coverage is up to Rs.25,000 per item.
    • The coverage is up to Rs.2 lakh for all other assets.

    Air Voucher

    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

    • Get 1,000 Reward Points when you apply for your card as a welcome gift.
    • Each time you renew your card membership, you get 1,000 Reward Points.

    Waiver on First Year and Subsequent Years' Fees

    • Spend Rs.15,000 within the first 90 days of card set-up and get your first-year fee waived.
    • Spend a minimum of Rs.1 lakh in the previous year to enjoy a waiver on your annual fee.

    Zero Liability

    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.

    Doctor's Superia Credit Card Limit

    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.

    Latest Offers on HDFC Bank Doctor's Superia Credit Card

    Here are some deals and offers you can take advantage of:

    • Pay insurance bills using the EasyEMI option (applicable only on insurance payments made to selected insurance providers).
    • Enjoy up to 40% off at participating restaurants courtesy of The Good Food Trail by HDFC Bank.
    • Get an instant discount of 20% when you book a ride on Zoomcar.

    Reward Points Benefits

    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.

    How to Redeem Points Earned

    You can redeem your Reward Points by:

    • Converting them to KrisFlyer miles and redeeming them for a flight ticket from over 20 international airlines.
    • Redeem your points for gifts and vouchers from HDFC's rewards catalogue.

    Steps to redeem your Reward Points

    • Log into your HDFC credit card net banking account.
    • Select 'Credit Cards'.
      • Register your credit card if you haven't already.
    • Select 'Redeem Reward Points' and select your card. You will be redirected to the online redemption portal.
    • Select 'Redeem Reward Points' followed by 'Points Range' and 'Item Category'.
    • Choose the product(s) you want and add them to your cart.
    • Once you have made your decision, go to your shopping cart, select the checkbox accepting the terms and conditions. Make sure you select this check box only after going through the terms and conditions.
    • The item(s) you redeem will be sent to the email ID or residential/business address (as applicable) mentioned on the bank's page.
      • If there is any discrepancy with respect to your email ID or registered address, do not proceed with redemption. You should first contact HDFC credit card customer care and request for an updation of details.
    • Select 'Redeem'. Keep a note of the redemption number so that you can use it for all future communication regarding the redemption request.

    How to Apply for the HDFC Bank Doctor's Superia Credit Card Online?

    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.

    Fees and Charges

    Particulars Amount
    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
    • Less than Rs.100: Nil
    • Rs.100 to Rs.500: Rs.100
    • Rs.501 to Rs.5,000: Rs.500
    • Rs.5,001 to Rs.10,000: Rs.600
    • Rs.10,001 to Rs.25,000: Rs.800
    • Greater than Rs.25,000: Rs.950
    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:

    Salaried Doctors

    • Minimum age: 21 years
    • Maximum age: 65 years

    Self-practising Doctors

    • Minimum age: 21 years
    • Maximum age: 65 years

    Documents Required

    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:

    • Identity-related documents. This can include your PAN card, passport, Aadhaar card, etc.
    • Address-related documents: This includes your passport, Aadhaar Card, etc.
    • Income-related documents: These documents include your pay slip, income tax returns, etc.

    FAQs on HDFC Bank Doctor's Superia Credit Card

    1. What is the validity of the Reward Points I earn?

      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.

    2. Will I get 50% more Reward Points when I dine in hotels?

      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.

    3. Do I earn rewards when I make insurance payments with my credit card?

      Yes. However, Reward Points earned on insurance transactions will be capped at 2,000 Reward Points per transaction.

    4. Can I convert my points to air miles of a frequent flyer programme of my choice?

      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.

    5. What is the grace period available on the Doctor's Superia Credit Card?

      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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