HDFC Bank Doctor’s Superia Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

- Enjoy the advantage of 1,000 Reward points as a Welcome benefit. - Get the benefit of 1,000 Reward points upon renewal. - You can redeem Reward Points for Airmiles with multiple Airlines. - Receive 50% extra reward points credited to your account for dining spends. - Avail Professional Indemnity Insurance coverage up to Rs. 20 Lakhs. - Receive up to 50 interest-free days starting from the date of purchase.

The HDFC Bank Doctor’s Superia Credit Card is a credit card best suited for individuals who frequently engage in dining and shopping activities.

The card offers a reward points system as its reward type.

This credit card has a joining fee of Rs. 1,000 plus GST, along with a renewal fee of Rs. 1,000 plus GST.

Upon payment of the joining fee, cardholders can enjoy a welcome benefit of 1,000 reward points.

Additionally, whenever cardholders dine out at restaurants, they can earn 50% more reward points, making it a tempting option for those who enjoy eating out.

Furthermore, for every Rs. 150 spent on shopping, cardholders can earn 3 reward points.

HDFC Bank Doctor’s Superia Credit Card does not provide specific benefits for travel, domestic lounges, international lounges, or golf.

However, cardholders can benefit from Professional Indemnity Insurance coverage worth up to Rs. 20 Lakhs.

This insurance coverage can provide valuable protection for individuals in the medical profession.

Another advantage of this card is the opportunity for spend-based waiver.

By spending Rs. 1 Lakh in a year, cardholders can waive off the next year's annual membership fee.

This feature rewards cardholders for their spending habits and reduces the overall cost of maintaining the credit card.

When it comes to transactions made in foreign currency, HDFC Bank levies a foreign currency markup of 3.5% on all international transactions.

Cardholders must keep this in mind when using their credit card overseas.

The interest rate for this card is 3.6% per month, equivalent to an annual rate of 43.2%.

It's important for cardholders to manage their spending and payments to avoid accumulating high interest charges.

For fuel transactions ranging from Rs. 400 to Rs. 5000, cardholders can enjoy a 1% fuel surcharge waiver, capped at Rs. 250 per statement cycle.

However, for cash advances, a fee of 2.5% of the amount withdrawn (subject to a minimum of Rs. 500) will be charged.

In conclusion, HDFC Bank Doctor’s Superia Credit Card is a suitable option for individuals who frequently engage in dining and shopping activities.

With its reward points system and various insurance benefits, this credit card can provide value for those in the medical profession.

However, prospective cardholders should be aware of the foreign currency markup and the interest rate associated with this card.