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.
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.
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:
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.If you wish to redeem your reward points, you can do so by following the steps mentioned below:
|Type of Charge||Amount|
|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|Cash advance charges||2.5% of the amount withdrawn or Rs.500, whichever is higher|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|
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:
Transactions excluding the following types shall be considered as spends. Please note, spends done via any add-on cards will be considered.
All transactions converted from EMIs or EMI debits made to your Superia account.
A fee of Rs 100 shall be charged towards the re-issue of a lost or damaged Superia credit card.
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.
Yes, the Superia card also contains a magnetic strip and may be used for swipe transactions.
The Welcome & Renewal benefit is only applicable if the cardholder is paying the annual fee.
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