Summary
The HDFC Bank Doctor’s Superia Credit Card is a specialist card for the medical fraternity consisting of doctors, dentists, and surgeons. The credit card has a perfect mix of rewards, convenience, and lifestyle benefits tailor-made to accompany the busy lifestyle of doctors.
This card offers fantastic value with its reward points programme, where you get 3 reward points per ₹150 you spend and gain 50% additional points for dining out. The reward points can be converted into air miles or gifts, and thus, every spend becomes rewarding. Housed within it is a free Priority Pass membership, giving you access to over 600 airport lounges around the world, which helps for smoother travel.
Doctors can also access Professional Indemnity Insurance cover of maximum ₹20 lakh against legal liability due to the profession. The other add-ons include waiver of fuel charge, easy conversion of EMI options, and SmartPay bill payments of utilities.
Introduction
As a doctor, if you want a credit card that appreciates your lifestyle to the core, HDFC Bank Doctor’s Superia Credit Card can be your best bet. Designed keeping doctors like you in mind, this credit card is loaded with some great features, benefits, and advantages that meet your personal as well as professional needs impeccably.Regardless of whether you are paying for clinic charges, booking medical conferences travel, or simply shopping online, this credit card provides you with great value on each purchase.
Physicians have their own schedule and a busy lifestyle. Considering this, HDFC Bank created a credit card that is full of comfort, convenience, and class. The Doctor’s Superia Credit Card enables you to enjoy facilities like reward points, airport lounge access, fuel surcharge waivers, etc. You also enjoy lifestyle and travel privileges that add extra comfort to your lifestyle.
One of the greatest features of this card is the Reward Points Program. With each purchase you make, you earn reward points that can be redeemed at a later stage to purchase gifts, vouchers, or even flight tickets. And if you travel often on business or otherwise, the complimentary Priority Pass Membership offers you access to over 600 airport lounges around the world. It’s a great way of relaxing before flying after a long day of consulting or operations.
The second benefit that sets this card apart is the exemption of the annual fee. When you make a certain amount of spend within a year, the annual fee of the card can be exempted, which implies that the card is essentially free to use if you use it regularly. This makes the card not only convenient but also cost-effective for hardworking doctors who have different expenses each month.
What is the HDFC Bank Doctor’s Superia Credit Card?
HDFC Bank Doctor’s Superia Credit Card is a special credit card designed specifically for doctors. It is tailored to the lifestyle and spending habits of physicians. Reward points on daily spends, lounge access at airports, exemption on fuel surcharge, etc.can be accessed by physicians using this card.
It also provides travel and lifestyle benefits, which can prove handy for doctors who keep traveling for work or leisure. The card provides you with greater value for each rupee you spend and even lets you convert large spends to easy EMIs. Overall, it’s a convenient and rewarding credit card perfectly suited for the needs of doctors.
What is the design of the HDFC Bank Doctor’s Superia Credit Card?
The HDFC Bank Doctor’s Superia Credit Card is specifically targeted for doctors, with a card that replicates the pride and dedication of the medical profession. The card features the title “Dr.” prominently before the name of the cardholder, which helps to denote the professional status of the card owner. This personalized aspect not only adds a touch of sophistication but also helps to set off the elite status of the credit card for doctors.
Aesthetically, the card is professional and classy in appearance, befitting the high-profile status of medical practitioners. While some of the visual elements are poorly documented, the general aesthetic is created in ways that will appeal to the sophisticated sensibilities of doctors so that it will go smoothly with their professional and personal lives.
What are the benefits of the HDFC Bank Doctor’s Superia Credit Card?
The features and respective reward points are listed below:
- Joining Benefits and Renewal Advantage: Receive 1,000 Reward Points as a joining bonus and receive 1,000 points extra as an annual renewal benefit.
- Spending Reward Points: Get 3 Reward Points on every Rs. 150 spent via the card.
- Dining Benefits: Earn 50% more Reward Points at dining at enrolled restaurants, which will maximize your rewards on dining out.
- Fuel Surcharge Waiver: Avail a 1% waiver of fuel surcharge on transactions between Rs. 400 and Rs. 5,000 at any Indian fuel outlet.
- Air Miles Conversion: Redeem your redeemable Reward Points for air miles in over 20 international carriers or major domestic carriers. The conversion ratio is 100 AirMiles = 667 Reward Points.
- Professional Indemnity Insurance: Get insurance coverage up to Rs. 20 lakh for professional liabilities.
- Fee Waiver: Rs. 1,000 joining fee is waived if you spend more than Rs. 15,000 within the first 90 days. Likewise, the Rs. 1,000 renewal fee is waived if you spent a purchase of Rs. 1 lakh in the last year before renewal.
What are the fees for the HDFC Bank Doctor’s Superia Credit Card?
Here is a simple HDFC Bank Doctor’s Superia Credit Card fee breakup.
| Joining Fee | ₹1,000 plus applicable taxes |
| Annual Fee | ₹1,000 plus applicable taxes (The annual fee is waived if you spend ₹2.5 lakh or more in the preceding year.) |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.49% per month (41.88% annually) charge on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Bank Doctor’s Superia Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get an HDFC Bank Doctor’s Superia Credit Card?
The documents that you will have to submit to Get an HDFC Doctor’s Superia Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the HDFC Bank Doctor’s Superia Credit Card be used?
Here is the list of places where you can use it:
- With the HDFC Bank Doctor’s Superia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your HDFC Bank Doctor’s Superia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The HDFC Bank Doctor’s Superia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the HDFC Bank Doctor’s Superia Credit Card?
The credit limit of the HDFC Bank Doctor’s Superia Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.
How do you apply for an HDFC Bank Doctor’s Superia Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank Doctor’s Superia Credit Card.
- Just hover your cursor on the HDFC Bank Doctor’s Superia Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the HDFC Bank Doctor’s Superia Credit Card.
- Request for the credit card application form for the HDFC Bank Doctor’s Superia Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the HDFC Bank Doctor’s Superia Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an HDFC Bank Doctor’s Superia Credit Card in 2025 be right?
Yes, HDFC Bank Doctor’s Superia Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.
If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.
Conclusion
The HDFC Bank Doctor’s Superia Credit Card is actually a well-thought and sensible financial product especially designed for doctors. Not only does it honor the professional life of doctors, but also provides them with benefits to meet their day-to-day needs, travel booking, and handling cash.From earning reward points on all your spending to enjoying airport lounge amenities and surcharge waivers, this Credit card takes extra steps to make doctors feel comfortable and valued.
The greatest advantage of this card is the Reward Points Program that enables you to earn points on all your purchases and exchange them for air miles, vouchers, or gifts. This is particularly convenient for doctors who travel often or shop a lot. The 50% bonus reward points on dining is also an excellent advantage for people who like eating out or have meetings at restaurants.
One other advantage of the Doctor’s Superia Credit Card is the free Priority Pass Membership, which allows you to access more than 600 airport lounges across the globe. This can be a more convenient and relaxing journey. With that, the card also comes with a 1% fuel surcharge rebate, which saves you money on petrol or diesel every month. These rewards may seem insignificant, but collectively, they make a difference and give you actual savings.
Frequently Asked Questions (FAQ’s)
Ans: Yes. You get a 1% fuel surcharge refund on spends between ₹400 and ₹5,000 at fuel stations.
Ans: Late payment charges will be charged based on your current balance. A monthly interest of 3.49% (41.88% p.a.) is also charged.
Ans: You get coverage of up to ₹20 lakh against professional risks or legal liabilities occurring due to your medical practice.
Ans: Yes. HDFC allows you to convert eligible buys into easy monthly EMIs under the SmartEMI facility.
Ans: You can apply online on the website of HDFC Bank or visit the local HDFC branch. You would need to provide KYC documents and proof of your medical practice.
