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HDFC Bank Doctors Superia Credit Card

HDFC Bank

Annual / renewal fee

₹1,000 per annum (Doctors Superia shares the Superia fee row: joining/annual membership fee ₹1,000).

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Earn rate

  • 3 Reward Points per ₹150 spent.
  • From 15th May 2026, accrual revised to 3 Reward Points per ₹200 spent.
  • Plus 50% more reward points when you dine out.

Verifiedharvested from product page18 Aug 2026, 11:14 AM ISTHDFC Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Doctors Superia Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹1,000.

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Annual / renewal fee

₹1,000 per annum (Doctors Superia shares the Superia fee row: joining/annual membership fee ₹1,000).

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Fee waiver

Annual membership fee / renewal charges for next year waived on minimum spend of ₹1 lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Renewal fee

  • ₹1,000 (Superia).
  • Waived on spends of ₹1 lakh / Annum.

VerifiedDoctors Superia Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 11:14 AM ISTHDFC Bank

Rewards

  • 3 Reward Points per ₹150 spent.
  • From 15th May 2026, accrual revised to 3 Reward Points per ₹200 spent.
  • Plus 50% more reward points when you dine out.

Verifiedharvested from product page18 Aug 2026, 11:14 AM IST

Reward cap

  • Insurance transactions capped at 2,000 Reward Points per month (w.e.f 1st July 2025).
  • Grocery transactions capped at 1,000 Reward Points per month.
  • Utility transactions capped at 2,000 Reward Points per calendar month.
  • Telecom transactions capped at 2,000 Reward Points per calendar month (w.e.f 1st September 2024).
  • Maximum reward points earned in a statement cycle for Doctors is 15,000 (Fair Usage Policy).

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Reward exclusion

  • EasyEMI and e-wallet loading transactions do not accrue Reward Points.
  • Reward Points reversed if a retail transaction is converted into SmartEMI.
  • With effect from 1st Jan 2023 Rent payments and (except certain business cards) Government transactions do not earn Reward Points.
  • With effect from 1st July 2025 Online Skill-Based gaming transactions do not earn Reward Points.

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Dining benefit

Enjoy 50% more reward points when you dine out.

VerifiedDoctors Superia Credit Card product page18 Aug 2026, 11:14 AM ISTHDFC Bank

Insurance

  • Professional Indemnity Insurance Cover (HDFC ERGO): covers claims arising out of alleged bodily injury/death of a patient caused by error, omission or negligence in professional service.
  • Sum insured ₹20,00,000 per card in aggregate.
  • ₹4,00,000 per any one incident.
  • Deductible ₹25,000 for each and every claim.
  • Includes legal and defence cost reimbursement, out-of-court settlement and court awards.

Verifiedharvested from product page18 Aug 2026, 11:14 AM ISTHDFC Bank

Eligibility

Eligibility

  • Sourcing of this Credit Card has been stopped.
  • Existing customers of this card will continue to enjoy the benefits.

VerifiedDoctors Superia Credit Card product page18 Aug 2026, 11:14 AM ISTHDFC Bank

Charges & interest

Forex markup

3.5% of transaction value on Foreign Currency Transactions (currency conversion rate as on settlement date applicable).

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher.
  • Finance charges: 3.75% per month (45% per annum) on revolving credit and cash advances.
  • Late payment charges (Excl. GST) by outstanding balance: <=₹100 Nil.
  • ₹101-500 ₹100.
  • ₹501-1,000 ₹500.
  • ₹1,001-5,000 ₹600.
  • ₹5,001-10,000 ₹750.
  • ₹10,001-25,000 ₹900.
  • ₹25,001-50,000 ₹1,100.
  • >₹50,000 ₹1,300.
  • Over limit charges: 2.5% of overlimit amount, min ₹550.
  • Payment return charges: 2% of payment, min ₹450.
  • Cash processing fee: ₹100.
  • Rewards redemption fee: ₹99 per request.
  • Cashback redemption charges: ₹50 per redemption.
  • Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
  • Reissue of lost/stolen/damaged card: ₹199 non-metal (₹3,500 metal).
  • Add-on card fee: Lifetime Free.
  • Dynamic currency conversion markup fee: 1.75% (w.e.f 15th May 2026).
  • Rent Pay: 1% of transaction, capped ₹4,999 (w.e.f 1st July 2025).
  • Fuel charges: 1% on fuel spends exceeding ₹15,000, capped ₹4,999.
  • Utility charges: 1% on utility spends exceeding ₹50,000/month, capped ₹4,999.
  • Education charges (third-party apps): 1% capped ₹4,999.
  • Online skill-based gaming: 1% on spends exceeding ₹10,000/month, capped ₹4,999 (w.e.f 1st July 2025).
  • Wallet loading (excl PayZapp): 1% on spends exceeding ₹10,000/month, capped ₹4,999 (w.e.f 1st July 2025).
  • Railway ticket purchase fee: 1% + GST.

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Fuel surcharge waiver

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

VerifiedDoctors Superia Credit Card product page18 Aug 2026, 11:14 AM ISTHDFC Bank

Interest-free period

  • Interest free credit period ranges from 20 to 50 days, subject to the scheme applicable, provided all previous dues are paid in full.
  • Not applicable if previous balance not cleared in full or cash withdrawn from ATM.

VerifiedMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia18 Aug 2026, 11:14 AM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Doctors Superia Credit Card?

Officially traced: Rs. 1,000 per annum (Doctors Superia shares the Superia fee row: joining/annual membership fee Rs. 1,000).

MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia

What is the joining fee on the Doctors Superia Credit Card?

Officially traced: Rs. 1,000.

MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia

Is the Doctors Superia Credit Card annual fee ever waived?

Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 1 lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia

How does the Doctors Superia Credit Card earn rewards?

3 Reward Points per Rs. 150 spent.

harvested from product page

What are the transfer ratios for Doctors Superia Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the Doctors Superia Credit Card worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superiaharvested from product pageDoctors Superia Credit Card (fleet document) — governing document (side-door search)harvested from product page

Official terms

https://www.hdfc.bank.in/credit-cards/doctors-superia-credit-card.

VerifiedDoctors Superia Credit Card product page18 Aug 2026, 11:14 AM ISTHDFC Bank

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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