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HDFC Bank Superia Credit Card
Visa, Mastercard 📡 Contactless NFC

HDFC Bank Superia Credit Card

Joining Fee₹1,000
Annual Fee₹1,000
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Domestic travelers and restaurant diners looking for multi-airline flight ticket conversions without single airline co-brand lock-in.

Who Should Avoid

Users seeking airport lounge visits or direct cash statement credit.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 Reward Points upon payment of joining fee and realization

5X Reward Points on Dining

Earn 3 Reward Points per ₹150 on retail spends and 5X Reward Points on Dining at standalone restaurants.

Multi-Airline Flight Ticket Redemptions

Redeem points directly for flight bookings across 20+ domestic and international airlines via SmartBuy.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹1,000 is waived off on spending ₹1,00,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.35
Standard Base Earning
3 Reward Points per ₹150 spent on regular retail (0.70% return; 1 RP = ₹0.35 for flight tickets)
Accelerated / Partner Rate
5X Reward Points (15 points per ₹150, 3.5% return) on Dining at standalone restaurants (capped at 1,000 bonus points/month); Up to 10X points via SmartBuy
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Flight Bookings across 20+ Airlines via HDFC SmartBuy (1 RP = ₹0.35), Air Mile Transfers (Air India, KrisFlyer, InterMiles at 1:0.35 ratio), Product Catalog & Brand Vouchers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr
Annual renewal fee of ₹1,000 is waived off on spending ₹1,00,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹35,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the HDFC Bank Superia Credit Card

Annual Fee: ₹1,000/yr (Waivable)

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, HDFC Bank Superia Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).
HDFC Bank Superia Credit Card ₹1,000/yr
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