HDFC Bank Doctors Superia Credit Card

Joining fee

₹1,000 to join.

Annual fee

₹1,000 a year.

Fee waiver rule

Renewal fee waiver on spending: ₹1 Lakh per annum.

Add-on card fee

₹0

Welcome benefit

1,000 Reward Points on Joining.

Reward rate

3 Reward Points per ₹200 · everyday spends3 Reward Points for every ₹200 you spend.

EMI spend earning

Reward Points /CashPoints accrued will be reversed if a retail transaction is converted into SmartEMI.

Government spend earning

Government related transactions will not earn Reward Points /CashPoints on all the cards.

Rent earning

Rent payments will not earn Reward Points.

Reward earning on dining spends

50% more Reward Points only on transactions classified under the 'Restaurant' Merchant Category Code (MCC); 'Hotel' MCC does not qualify

Wallet load earning

E - wallet loading transaction will not accrue Reward Points.

Reward exclusions

transaction amounts less than ₹200 will not accrue any Reward Points

Catalogue redemption

Redeem Reward Points for exciting gifts from an exclusive rewards catalogue at the applicable redemption rate

Flight redemption

Redeem Reward Points for air miles on more than 20 international airlines or on any major domestic airline.

Points transfer redemption

100 AirMiles = 667 Reward Points.

Point expiry

Reward points valid for 2 years from the date of accumulation.

Dining programme

50% more reward points when you dine out.

Renewal benefit

1,000 Reward Points Every Year.

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000; max waiver of ₹250 per statement cycle.

Surcharge on railway tickets

1% of the transaction

Insurance benefit

Protection worth up to ₹20 Lakh against costs arising due to professional negligence; any one accident up to ₹4 Lakh, deductible ₹25,000 for each claim

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

3.75% per month (i.e., 45% per annum)

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

Finance charges for both revolving credit and cash advances: 3.75% monthly (45.0% annually) for all other variants.

Interest-free period

Up to 50 interest free days from the date of purchase

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500 whichever is higher on the amount withdrawn.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST at 18% applicable effective 1st July 2017

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Age the primary cardholder must be

Salaried doctor: age minimum 21 years and maximum 60 years; self-practising doctor: minimum 21 years and maximum 65 years

Documents required

Proof of identity (Aadhaar Card, PAN Card), proof of address (latest utility bill, passport), and income proof (latest salary slips for salaried individuals, income tax returns for self-employed individuals)