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  • HDFC Bank Superia Credit Card

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    The Superia card is a premium credit card offered by HDFC Bank which offers a lot of amazing features and benefits across a number of categories such as dining, travel, fuel, and shopping. The card also comes with reward points with every purchase you make along with a welcome bonus.

    Key Highlights of the HDFC Bank Superia Credit Card

    • A welcome offer of 1,000 reward points.
    • On every spend of Rs.150, get 3 reward points.
    • Get 50% more reward points on every Rs.150 spent on dining expenses.
    • Make the most of a complimentary Priority Pass Membership.
    • With a minimum 4 transactions every month, get a free Accidental Death Coverage and Fire and Burglary Protection.
    • Get a renewal benefit of 1,000 reward points.
    • If you spend Rs.15,000 within the first 3 months, your annual fee is waived off.
    • Enjoy an interest-free period of up to 50 days.

    Features and Benefits of the HDFC Bank Superia Credit Card

    Welcome Benefits
    • Enjoy a welcome benefit of 1,000 reward points on paying the annual fee.
    • By paying the renewal fee for the next year, 1,000 reward points will be given to you.
    Travel Benefits
    • With the reward points accumulated in your credit card, you can redeem it to purchase tickets at more than 20 international airlines through KrisFlyer - Singapore Airlines Frequent Flyer Program.
    • You can also redeem the reward points for AirMiles. These miles can be used to purchase tickets from AirIndia. The miles can also be redeemed against air vouchers for other leading domestic airlines.
    Dining Benefits
    • Enjoy 50% more reward points when you dine with your HDFC Bank Superia credit card.
    Fuel Benefits
    • The fuel surcharge of 1% is waived off on all fuel transactions for minimum transactions of Rs.400.
    • The maximum cashback for fuel transactions is capped at Rs.500 per statement cycle.
    Annual Fee Waiver
    • If you spend Rs.15,000 within the first 90 days from the date of set up, the first-year membership fee will be waived off.
    • By spending Rs.75,000 in the first year and your next year's annual fee will be waived off.
    Reward Point Benefits
    • For every Rs.150 spent on your card, you will get 3 reward points.
    • These reward points can be redeemed for air miles at more than 20 international airlines or domestic airlines.
    • The reward points which will be added to your account will be valid for 2 years from the date of accumulation.

    HDFC Bank Superia Credit Card Limit

    The card limit for the HDFC Bank Superia is decided by the bank after considering several factors. The bank takes into consideration the primary applicant's credit score, credit report along with the repayment habit for past and ongoing debts or loans.

    Reward Point Benefits on the HDFC Bank Superia Credit Card

    • Get 3 reward points on every Rs.150 spent on your Superia credit card.
    • Make the most of your dining experience by availing 50% more reward points on dining with your card.
    • These reward points can be redeemed against AirMiles. These miles can be used to purchase flight tickets at top airlines in the country and abroad.
    • These reward points on your card will be valid for 2 years from the date of accumulation.

    Other HDFC Bank Credit Cards

    How to Redeem reward points earned on HDFC Bank Superia Credit Card?

    The reward points on your Superia credit card can be redeemed through online or offline methods.

    You can redeem the points offline through post by filling the rewards redemption form which is available for download on the website. Once you have filled the form, it needs to be sent through post to the following address:

    Rewards Helpdesk,

    HDFC Bank Cards Division,

    P.O. Box No. 8654,

    Thiruvanmiyur, P.O.,

    Chennai - 600041.

    If you wish to redeem your reward points, you can do so by following the steps mentioned below:
    • Log in to your HDFC Bank credit card net banking account.
    • Click on the 'credit cards' tab.
    • If your credit card is not registered, you will need to do so. It can be done by adding your card number and ATM PIN.
    • After your card is registered, click on the 'redeem reward points' and select 'continue'.
    • The website will then redirect you to the rewards redemption page.
    • Select 'Redeem Reward Points'.
    • Select the category of the item you need.
    • Once done, choose the points range to check the catalogue of various products.
    • You can then select the items and add them to the cart for purchase.
    • After you have chosen the products, click on 'view your shopping cart'.
    • Once everything checks out, you are required to read the terms and condition and check the box.
    • Once done, click on 'redeem'. The redemption order number which is given must be noted down for future references.

    How to Apply for the HDFC Bank Superia Credit Card?

    An applicant can apply for the credit card through offline or online methods. If you wish to apply offline, you will need to visit the bank branch, fill the application form and submit the documents required to apply.

    You can also apply for the credit card online from the HDFC Bank website or through BankBazaar. To apply for the card through BankBazaar's website, here are the steps you need to follow:

    • Click on the tab of 'Check Eligibility' on the HDFC Bank Superia credit card on BankBazaar.
    • Add the information which is asked for in the webpage.
    • You will also have to upload the documents required for the application of the card.
    • Once you click on 'submit', a track application ID is sent to you. You can use this ID to track the status of your credit card application.

    Fees and Charges on the HDFC Bank Superia Credit Card

    Type of Charge Amount
    Annual fee Rs.1,000
    Minimum repayment amount 5% or a minimum of Rs.200
    Cash advance limit 40% of the credit limit
    Interest-free period Up to 50 days
    Charges on revolving credit 3.49% per month
    Additional card fee Free
    Cash advance charges 2.5% of the amount withdrawn or Rs.500, whichever is higher
    Late payment charges

    If the statement balance is less than Rs.100 - Nil

    Balance between Rs.100 and Rs.500 - Rs.100

    Balance between Rs.500 and Rs.5,000 - Rs.500

    Balance between Rs.5,001 and Rs.10,000 - Rs.600

    Balance between Rs.10,001 and Rs.25,000 - Rs.800

    More than Rs.25,000 - Rs.950

    Payment return charges 2% of the payment amount subjected to a minimum of Rs.450.
    Charges on over limit account 2.5% of the over limit amount subjected to a minimum of Rs.500
    Cash processing fee Rs.100
    Balance transfer processing charges 1% of the balance transfer amount or Rs.250. The higher amount will be taken.
    Rewards redemption fee Rs.99 per redemption request
    Fuel transaction charges Rs.500 per statement cycle will be waived off
    Outstation cheque processing charges

    Cheque value of up to Rs.5,000 - Rs.25

    Cheque value of more than Rs.5,000 - Rs.50

    Foreign currency transactions 3.5%
    Reissue of a stolen, lost or damaged card Rs.100
    Railway ticket purchase fee 1.8% of the transaction amount + GST

    Eligibility Criteria for the HDFC Superia Credit Card

    • The primary applicant must be a resident or a non-resident of India.
    • The add-on cardholder must be at least 15 years of age.
    • If the primary cardholder is a salaried individual, he or she must be between the age of 21 years and 60 years.
    • If the applicant is a self-employed individual, he or she must be between the ages of 21 years and 65 years.

    Documents required for applying for the HDFC Superia Credit Card

    • Copy of Form 60 and PAN card.
    • Address proof which should include PAN card, Passport, Aadhaar card or a copy of your electricity bill.
    • 2 passport-sized coloured photographs.
    • Duly filled application form
    • An identity proof which includes Aadhaar card, PAN card or driving license.
    • Proof of income which can include a copy of your Form 16, latest salary slips or IT returns.

    HDFC Bank Superia Credit Card FAQs

    1. Which transactions shall be considered when spends are considered?

      Transactions excluding the following types shall be considered as spends. Please note, spends done via any add-on cards will be considered.

      • Transactions related to Cash on Call (COC)
      • Balance Transfer (BT)
      • Cash withdrawal at ATMs and

      All transactions converted from EMIs or EMI debits made to your Superia account.

    2. What is the fee chargeable for re-issue of a lost/damaged Superia credit card?

      A fee of Rs 100 shall be charged towards the re-issue of a lost or damaged Superia credit card.

    3. What kind of transactions done on the Superia Card qualify for Reward Points?

      All retail transactions shall qualify for Reward Points. Other transactions like fee, cash advance and other charges do not earn any reward points. Only retail purchases qualify for Reward Points.

      Cash advance, fees, and other charges do not accrue any reward points. Transaction amounts less than Rs. 150 will not accrue any Reward Points.

    4. Does my Superia credit card also have a magnetic strip?

      Yes, the Superia card also contains a magnetic strip and may be used for swipe transactions.

    5. Are there any special conditions to avail the Welcome/ Renewal Benefit?

      The Welcome & Renewal benefit is only applicable if the cardholder is paying the annual fee.

      

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