HDFC Bank Doctor’s Superia Credit Card is a premium credit card tailored for doctors. It offers benefits like air miles, accelerated reward points, and 50% extra points at select restaurants, all at a low annual fee. Here are the key highlights of the card:
Other Features and Benefits
Welcome Benefits
Earn 1,000 reward points on card activation.
Renewal Benefits
Earn 1,000 reward points on renewal.
Reward Points
3 reward points for every Rs. 150 spent.
Dining Benefits
Earn 50% extra reward points at select restaurants.
Fee Reversal
Joining fee waived on spends above Rs. 15,000 in first 90 days.
Renewal fee waived on spending Rs. 1 lakh in a year.
Insurance/Coverage
Professional negligence accident cover up to Rs. 20 lakh (max Rs. 4 lakh per incident).
Fuel Surcharge Waiver
1% waiver on fuel transactions between Rs. 400–5,000 (max Rs. 250 per month).
Air Mile Conversion
Redeem points for air miles on 20+ international and major domestic airlines (100 air miles = 667 reward points).
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 equal to Rs.100 - Nil
Rs.101 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.500
Rs.1,001 to Rs.5,000 - Rs.600
Rs.5,001 to Rs.10,000 - Rs.750
Rs.10,001 to Rs.25,000 - Rs.900
Rs.25,001 to Rs.50,000 - Rs.1100
More than Rs.50,000 Rs.1300
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2.5% of the amount withdrawn or Rs.500, whichever is higher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)
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