HDFC Superia Credit Card- Features & how to apply

The HDFC Superia Credit Card is a credit card that is full of reward offers and benefits of many kinds. This Hdfc credit card provides all its cardholders various travel benefits, dining benefits, fuel benefits, and so much more. 

Today, we will be looking into all the features and specifications of this credit card and see all the reasons for having a HDFC Superia Credit Card.

Fees and Charges

• Spend-Based Waiver: If you spend Rs. 15,000 in the first 90 days after getting the HDFC Superia Credit Card, you won’t have to pay any joining fee. This means, as long as you spend that amount early on, you can save some money. Plus, if you spend Rs. 75,000 in one year from your anniversary date, the renewal fee for the next year will also be waived off, so it’s like getting another chance to save more.
• Rewards Redemption Fee: Every time you decide to redeem the reward points you collect with your HDFC Superia Credit Card, you’ll have to pay Rs. 99 for making that request. So, even though you’re using your points, this small charge will be there each time.
• Foreign Currency Markup: Whenever you use your HDFC Superia Credit Card for a purchase in a foreign currency, you will be charged an extra 3.5% on top of whatever you spend. This is called a foreign currency markup, so if you are spending abroad or buying things online in a different currency, keep this in mind.
• Interest Rates: If you don’t pay your full credit card bill by the due date, the bank will start charging you interest at a rate of 3.49% each month on what you still owe. This means if you’re not able to pay on time, it can add up and become expensive quickly.
• Fuel Surcharge: When you use your HDFC Superia Credit Card to buy fuel, and the transaction amount is between Rs. 400 and Rs. 5,000, you will get a 1% waiver on the fuel surcharge. This means, the extra cost for using your card on fuel purchases gets reduced, making it a little cheaper for you to fill up your vehicle.
• Cash Advance Charges: If you take out cash using the HDFC Superia Credit Card, you will be charged 2.5% of the total amount you withdraw. However, this fee won’t be less than Rs. 500, no matter how small the cash advance is. So, using the card for taking cash can be a bit costly, and it’s something you might want to avoid unless really necessary.

HDFC Superia Credit Card Details

• Welcome and Renewal Benefit: When you first get the HDFC Superia Credit Card, you are given 1,000 Reward Points as a welcome gift. Also, every year when you renew your card, you’ll get another 1,000 Reward Points as a bonus.
• Reward Points for Every Spend: For every Rs. 150 you spend using the HDFC Superia Credit Card, you will earn 3 Reward Points. These points can add up the more you use your card for shopping, paying bills, or any other expenses.
• Extra Reward Points for Dining: If you eat at certain restaurants, you get 50% more Reward Points. So, instead of just earning the regular points, you can collect even more when you dine out at selected places using the HDFC Superia Credit Card.
• Redeemable Reward Points: The Reward Points you collect can be redeemed for various things. One option is converting them into Airmiles, which can help with your travel plans. You can also use the points for many other rewards that the card offers.
• Complimentary Priority Pass Membership: With the HDFC Superia Credit Card, you also get a free Priority Pass membership. This gives you access to exclusive airport lounges around the world, which can make your travel experience more comfortable.
• Spend-Based Fee Waiver: If you spend a certain amount (Rs. 15,000 in the first 90 days or Rs. 75,000 in a year), you don’t have to pay the joining fee or the renewal fee for the card. This helps you save money on those yearly charges.
• Fuel Surcharge Waiver: When you use the HDFC Superia Credit Card to buy fuel, you get a 1% waiver on the fuel surcharge. This makes it a little cheaper for you to pay for fuel, especially if you’re buying between Rs. 400 and Rs. 5,000 worth of fuel.

Reward Offers for HDFC Superia Credit Card

• Movie & Dining: When you use the HDFC Superia Credit Card for dining, you get extra Reward Points. This means you can earn more points faster when you eat out at selected restaurants.
• Rewards Rate: For every Rs. 150 you spend with the HDFC Superia Credit Card, you will earn 3 Reward Points. These points can be collected over time, and the more you spend, the more points you’ll earn.
• Reward Redemption: The Reward Points you earn can be redeemed for Airmiles. The rate is 1 Reward Point = 0.7 Airmiles. This can help you save on flights and travel when you’ve collected enough points.
• Travel: With the HDFC Superia Credit Card, you get a free Priority Pass membership. This gives you special access to airport lounges, making your travel experience more comfortable and enjoyable.

HDFC Superia Credit Card Reward Points

• Points for Every Spend: Whenever you spend Rs. 150 using the HDFC Superia Credit Card, you earn 3 Reward Points. So, the more you use the card, the more points you’ll collect.
• Extra Points for Dining: When you dine at certain premium restaurants, you get 50% more Reward Points. This means you earn points even faster while enjoying your meals at selected places.
• Points Validity: The Reward Points you collect using the HDFC Superia Credit Card are valid for 2 years from the time you earn them. This gives you plenty of time to use your points for rewards before they expire.

HDFC Superia Credit Card Attractions

• Welcome Benefits: After paying the joining fee for the HDFC Superia Credit Card, you get a welcome gift of 1,000 bonus Reward Points. This gives you a nice head start with points when you first get the card.
• Travel Benefits: You get a complimentary Priority Pass membership, which allows you to access over 1,000 airport lounges around the world. However, while the membership is free, you still have to pay $27 each time you actually visit a lounge.
• Spend-Based Waiver: If you spend Rs. 15,000 or more within the first 90 days of having the HDFC Superia Credit Card, the Rs. 1,000 joining fee is waived off. Also, if you spend Rs. 75,000 or more in one year, the annual fee of Rs. 1,000 is waived off for the next year.
• Fuel Surcharge Waiver: When you use your HDFC Superia Credit Card for fuel purchases between Rs. 400 and Rs. 5,000, you get a 1% fuel surcharge waiver. This can save you some money on fuel, but the benefit is capped at Rs. 500 per statement cycle, so that’s the maximum you can save on fuel in one cycle.

Application Procedure | HDFC Superia Credit Card

Apply Offline

To apply for the HDFC Superia Credit Card in person, just go to the nearest HDFC Bank branch. Make sure you bring all the required documents with you, and then fill out the physical application form at the branch.

Apply Online

• Visit the HDFC Bank’s official website.
• Look for the ‘Borrow’ section and click on the ‘Credit Cards’ option.
• Scroll down and click on ‘Other Cards.’
• Look for the ‘HDFC Superia Credit Card’ and press the button that shows ‘Know More.’
• At the end of the webpage, press on ‘Apply Now.’
• Enter your mobile number and continue filling out the online application form.

Conclusion

The HDFC Superia Credit Card is a great option for people who want to enjoy rewards on spending, especially when it comes to shopping, dining, and travel. With its welcome benefits, spend-based fee waivers, and reward points that can be redeemed for Airmiles or other perks, it offers a lot of value. 

The card also gives access to airport lounges through Priority Pass, making it a good choice for frequent travelers. However, some fees like the foreign currency markup and cash advance charges should be kept in mind. Overall, it’s a useful card for those who can maximize its rewards.

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