Summary
The HDFC Bank Superia Credit Card is a credit card for customers who love the idea of saving rewards on every single expense of their daily living, especially food and travel. It gives them 3 points per ₹150 spent on a regular transaction. On dining and travel, this card gives customers an extra 50% boost in rewards over the regular, which is equivalent to 4.5 points per ₹150.
One of the biggest attractions of this card is its benefits regarding travel, wherein users can redeem their accumulated points for flight tickets and hotel bookings, so it helps save on vacations and business trips. In addition to this, special dining privileges at restaurants in India, specializing with their partner restaurants and services, are also provided to users, where they get special discounts along with extra reward points.
In terms of safety, a Superia Credit Card has an EMV chip, offering users safe transactions and minimizing fraud occurrence. Additionally, this credit card has zero lost card liability: in case the card is lost, the cardholder is not liable for any transaction carried out on the lost card, if reported immediately.
Introduction
Moreover, HDFC Superia Credit Card also features protections such as fuel surcharge waiver, air accident cover, and personal accident insurance.
The HDFC Bank Superia Credit Card annually charges a fee, which is pretty competitive against other premium credit cards. Hence, it is something available at a very reasonable price to access high-value services. Overall, the HDFC Superia Credit Card turns out to be that of meeting financial requirements and features a better life experience.
In today’s article, we will discuss in detail about HDFC Superia Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of HDFC Superia Credit Card and will also discuss in detail how to apply for it.
What is the HDFC Bank Superia Credit Card?
HDFC Superia Credit Card is a premium credit card that enhances your lifestyle experience. HDFC Superia Credit Card not only offers you exclusive rewards on shopping, travel, and entertainment but also great discounts on airline miles, hotel bookings, and dining.
One of the key benefits is that the HDFC Superia Credit Card will save you fuel surcharges. Apart from that, there are other protection benefits such as travel insurance and air accident insurance for cardholders.
How is the design of the HDFC Bank Superia Credit Card?
HDFC Superia Credit Card features a sleek and premium design. It uses a stylish dark background with a modern touch, which makes it elegant. The branding on the card is that of Superia as well as the HDFC Bank logo at the top.
The embedded EMV chip includes security while making it look technologically advanced. Overall, this credit card design is professional-looking and classy to the eye; hence, suitable for users seeking a premium-looking credit card.
What are the benefits of the HDFC Bank Superia Credit Card?
Here are the key benefits in simple words:
- Reward Points on Every Spend
- 3 reward points for every ₹150 spent.
- 50% more points (4.5 per ₹150) on dining expenses.
- Travel Benefits
- Avail air tickets and book hotels using your reward points.
- Discounts and offers on travel booking.
- Dining Privileges
- Exclusive offers at partner restaurants across India
- Extra rewards on all dining expenses
- Security & Protection
- Comes with an EMV chip added for extra security.
- Zero lost card liability—you’re not responsible for unauthorized transactions after reporting card loss.
- Welcome & Milestone Rewards
- Bonus reward points on card activation.
- Additional reward points on reaching spending milestones.
- Easy Redemption
- Convert reward points into air miles, gifts, or cash benefits.
What are the fees for the HDFC Bank Superia Credit Card?
Here is a simple breakup of the Credit Card fees.
| Joining Fee | ₹999 + GST (one-time fee when you get the card). |
| Annual Fee | ₹999 = GST per year. This will be waived if you spend 50,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | 3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Bank Superia Credit Card?
The following are the primary requirements:
- To apply for the HDFC Bank Superia Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an HDFC Bank Superia Credit Card?
The documents that you will have to submit to get an HDFC 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 employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the HDFC Bank Superia Credit Card be used?
Here is the list of places where you can use it:
- With the HDFC 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 Superia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The HDFC 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 Superia Credit Card?
The credit amount you can spend is what you are provided with an HDFC Superia Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an HDFC Bank Superia Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the 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 Superia Credit Card.
- Just hover your cursor on the HDFC Bank 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 submitting 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 Superia Credit Card.
- Request for the credit card application form of the HDFC Superia Credit Card. They will provide you with the form and proceed accordingly.
- Fill 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 pas hotograph.
- 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 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 their 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 Superia Credit Card in 2025 be right?
Yes, getting an HDFC Bank Superia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
HDFC Superia Credit Card is one of the best for customers wanting to give their money the best return through rewards, protection, and lifestyle benefits. HDFC Superia Credit Card allows the customer to earn their reward points on shopping, travel, and other services, which can be redeemed against flight bookings, gift vouchers, and other exciting services.
In addition to these, features like fuel surcharge waiver and accident insurance make it even more economical and secure. These benefits save cardholders financial savings on their daily spending besides giving them peace of mind, knowing they are covered by protection coverage.
This will be a fantastic feature by HDFC Bank with Superia Credit Card- lifestyle enhancement plus gives you experience as if one lives in some rich man’s household. And you can never count the utility when you become an HDFC Superia customer – whether you like shopping or going out; otherwise, to any entertainment group.
Frequently Asked Questions (FAQ’s)
Ans: The HDFC Bank Superia Credit Card comes with the benefit of a 1% fuel surcharge waiver, saving the expenses made on fuel.
Ans: With the HDFC Bank Superia Credit Card, you get travel accident insurance, air accident insurance, and all sorts of security features that make your travel safe.
Ans: You can apply for HDFC Bank Superia Credit Card through the website of HDFC Bank or from any nearest HDFC branch. To do so, you are required to furnish identity proof, income proof, and address proof documents.
Ans: Yes, HDFC Bank Superia Credit Card can convert big purchases into easy monthly installments, thereby reducing the burden of your payment.
Ans: A good example of such a card is the HDFC Bank Regalia Gold Credit Card. The card allows for exclusive benefits to the cardholder. Complimentary access to over 1,000 Priority Pass Airport Lounges across the globe. Access to VISA/ MasterCard Lounges.
