HDFC Bank Superia Credit Card

HDFC Superia Credit Card Features and Benefits

The Superia Credit Card is another decent offering among the various basic HDFC Credit Cards. It is aimed at providing its customers with decent rewards and benefits across different categories. To understand all its features and benefits in detail, refer to the information provided below:

Welcome benefits

You get 1,000 bonus Reward Points as a welcome gift after successful payment of the joining fee of the HDFC Superia Credit Card.

Reward Points

• You get 3 Reward Points on every spend of Rs. 150 using the HDFC Superia Credit Card.
• You get 50% more Reward Points on dining across several premium restaurants.
• The Reward Points you earn are valid for 2 years from the accrual date.

How To Redeem HDFC Superia Credit Card Reward Points?

• The Reward Points you earn can be redeemed against Airmiles for various domestic and international airlines, including Kris Flyers, Jet Airways, Singapore Airlines, etc.
• 1 Reward Point = 0.7 Airmiles.
• You can also redeem your earned points against a host of options from the HDFC Rewards Catalogue.

Travel Benefits

• You get complimentary Priority Pass membership with access to over 1000 airport lounges globally.
• Only the membership is complimentary and the cardholders will have to pay the usage fee of $27 every time they visit a lounge.

Spend Based Waiver

• The joining fee of Rs. 1,000 is waived off if you spend Rs. 15,000 or more within the first 90 days from the card issuance date.
• The annual fee of Rs. 1,000 is waived off if you spend Rs. 75,000 or more in the previous year.

Fuel Surcharge Waiver

• The 1% fuel surcharge is waived off on all fuel transactions between Rs. 400 and Rs. 5,000 when you pay using your HDFC Superia Credit Card.
• The maximum benefit through the fuel surcharge waiver is capped at Rs. 500 per statement cycle.

HDFC Superia Credit Card Eligibility & Documentation

The basic eligibility criteria that need to be fulfilled by the applicants in order to get approved for the HDFC Bank Superia Credit Card are as follows:

• The age of salaried individuals should be between 21 years and 60 years.
• The age of the self-employed people should be between 21 years and 65 years.
• Applicants should have a stable source of income.
• Applicants should have a good credit history.

Documentation

• Identity Proof – Voter Id, Passport, PAN Card, Driving Licence, etc.
• Address Proof – Utility bills, passport, rent agreement, driving license, flat maintenance bills, etc.
• Copy of PAN Card
• Latest bank statements, latest salary slips, or latest ITR.

HDFC Superia Credit Card Limit

Different credit limits can be assigned to different cardholders on the basis of various factors, including their income, credit history, relationship with the bank, etc. With the HDFC Superia Credit Card, you may get any credit limit above Rs. 25,000 in the beginning and you can always get it improved by using your card responsibly. If you feel that your credit limit is not sufficient enough for your spends, you should use your card responsibly for a few months and then request your card issuer to provide you with a higher limit.

How To Apply For HDFC Superia Credit Card?

• To apply offline for the HDFC Bank Superia Credit Card, just visit your nearest branch with all the required documents and fill in the physical application form.
• To apply online, you can follow a few simple steps as given below:
  – Visit HDFC Bank’s official website.
  – Under the section ‘Borrow,’ click on the ‘Credit Cards’ option.
  – Scroll down and click on ‘Other Cards.’
  – Find the ‘HDFC Superia Credit Card’ and click on ‘Know More.’
  – Then, click on the ‘Apply Now’ option at the bottom of the page.
  – Enter your mobile number and proceed further to fill in the online application form.

Conclusion

The HDFC Superia Credit Card can be considered a great choice who are frequent travelers and want to have an affordable credit card with decent travel benefits. You can save up to Rs. 8,000 every year by redeeming your earned reward points against Airmiles and using them for flight bookings. Moreover, you can get the joining as well as the renewal fee waived by achieving a nominal spend of Rs. 75,000 every year, which is not really big amount to spend in a year. However, another HDFC Credit Card that can be considered direct competition to the Superia Card is the HDFC Regalia First Credit Card which comes with a similar annual fee and great privileges.