HDFC Bank Superia Credit Card
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Premium · Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “We are currently not accepting new applications for the HDFC Bank Superia Airline Credit Card”
Open alternatives
Annual fee
₹1,000 + GST
What it gives back
3 Reward Points per ₹200 · everyday spends
Fees
Renewal fee
₹1,000 + GST
Fee waiver rule
On annual spends of ₹75,000 or more, get ₹1,000 renewal fee waived off on your HDFC Bank Superia Credit Card.
Add-on card fee
₹0
Welcome offer
Welcome benefit
1000 Reward Points as welcome benefit.
Rewards
Reward rate
3 Reward Points per ₹200 · everyday spends3 Reward Points for every ₹200 spent.
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.
Insurance spend earning
Reward Points accrued for insurance transactions will have a cap of 2000 per month.
Rent earning
Rent payments will not earn Reward Points /CashPoints on all the cards.
Reward earning on dining spends
50% more Reward Points on Dining expenses at select premium restaurants.
Utilities earning
Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.
Wallet load earning
E - wallet loading transaction will not accrue Reward Points.
Reward exclusions
Online Skill - Based gaming transactions will not earn Reward Points /CashPoints on all the cards.
Reward caps
Reward Points earned on Grocery transactions will be capped per month to: 1000 reward points.
What one reward unit is worth
1 Reward Point = 0.7 AirMiles.
Catalogue redemption
Use Reward Points for gifts from the exclusive rewards catalogue at the applicable redemption rate
Flight redemption
Save up to ₹8,000 by converting Reward Points into vouchers for domestic airlines
Hotel redemption
Credit Card members can redeem up to a maximum of 50% of booking value through Reward Points
Voucher and product redemption
Cardmembers can redeem upto 70% of product/Voucher value through Reward Points /CashPoints on select vouchers/products
Airline and hotel partners points may move to
Redeem Reward Points for AirMiles with 20+ international airlines via KrisFlyer by Singapore Airlines.
Point expiry
Unredeemed Reward Points will expire/ lapse after 2 years of accumulation.
Card benefits
Priority Pass
Complimentary Priority Pass Membership
Renewal benefit
1,000 Reward Points as Renewal Benefit every year.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on a minimum transaction of ₹400
Surcharge on railway tickets
1% + GST will be charged on Railway Ticket Purchases
Lost card liability
Zero liability on lost cards.
Balance transfer terms
Balance Transfer Processing Charges: 1%.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
A Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location.
Cash advance fee
2.5% fee with a minimum of ₹500
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% per month (i.e., 45% per annum)
Interest-free period
Up to 50 days of interest-free credit from the date of purchase
Late payment fee
Nil to ₹1,300 (excl. GST), by bill amount
Over-limit fee
2.5% of the overlimit amount subject to minimum of ₹550
Payment return or dishonour fee
2% of the payment amount (minimum ₹450)
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards
Cash payment / cash deposit fee
₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee will be levied on Education transactions done through third party applications.
Fee on online skill-based gaming spends
1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.
Fuel transaction fee
1% fee will be levied on Fuel transaction exceeding ₹15,000 for consumer cards.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions.
Utility transaction fee
Utility Charges: 1% fee will be levied on spends exceeding ₹50,000 per Calendar month for consumer cards.
GST note
Goods and Services Tax (GST) on all Fees, Interest, and other Charges
Minimum amount due
Minimum Amount Due: 5% of retail balance / cash advance balance and finance charges and 100% of charges, loan EMI billed under cards, levies and taxes
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.