HDFC Bank Superia Credit Card
The card comes with a spend-based waiver of the joining as well as a renewal fee and you can make your card lifetime free just by achieving the required minimum spend every year.
- Welcome benefits: 1,000 reward points on joining, and a renewal benefit of 1,000 reward points.
Reward points: Earn 3 reward points for every ₹ 150 spent on retail purchases.
Dining benefits: Enjoy 50% more reward points at premium restaurants.
Travel benefits: Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc.
Fuel benefits: 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of INR 400, Maximum Cashback of INR 500 per statement cycle).
International benefits: Get 1% cashback on all international transactions (up to Rs. 1,000/- per statement cycle).
Safety: Stay protected against unauthorized use when you shop with the EMV Chip Card technology.
Credit: Avail up to 50 interest-free days from date of purchase (subject to submission of charge by merchant).
Online account access: Manage your account online or through the HDFC Bank mobile app.
24/7 customer service: Get help with your account 24 hours a day, 7 days a week.
Fraud protection: Your card is protected against fraud and unauthorized transactions.
Travel insurance: Get complimentary travel insurance when you book your flights or hotel with your HDFC Bank Superia Credit Card.
Welcome benefit: 1000 reward points
Renewal benefit: 1000 reward points
Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. - save upto ₹ 8000 a year.
Dining: Enjoy 50% more reward points at premium restaurants
Welcome Benefit- 1000 reward points.
Reward System- You earn 3 reward points for every Rs. 150 spent on the card. The reward points are valid for 2 years from the date of accumulation. You can redeem the reward points for air miles, merchandise, or gift vouchers. The air miles redemption rate is 1 reward point = 0.7 air miles. (You earn 1RP for every INR 100 spent)
Billing Cycle- 30 Days
Interest Rate- 3.60% p.m. 43.20% p.a.
Special Feature- None
Credit Card Type- Travel and Dining Credit Card
The verdict
- If you're a regular traveller looking for a reasonably priced credit card with respectable travel rewards, the HDFC Superia Credit Card is a wonderful option. By exchanging your earned reward points for Airmiles and utilizing them to book flights, you can save up to Rs. 8,000 annually. Additionally, you can avoid paying the joining and renewal fees by spending a meager Rs. 75,000 annually, which is not a particularly large sum of money. Nonetheless, the HDFC Regalia First Credit Card, which has a comparable annual fee and excellent benefits, is another HDFC credit card that can be seen as direct rival to the Superia Card.
Rating
How to get
Visit the HDFC Bank website and click on the "Credit Cards" tab.
Select the "Superia Credit Card" and click on "Apply Now".
Fill in the online application form with your personal and financial details.
Review your application and click on "Submit".
Documents required: KYC documents (PAN card, Aadhaar card, etc.) Income proof (salary slips, bank statements, etc.) Address proof (utility bills, passport, etc.)
Once you have submitted your application, HDFC Bank will process it and get back to you within a few business days.
If your application is approved, you will receive your credit card in the mail within a few weeks.
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Review by
Abhijeet Saxena
About the Expert
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai