HDFC Doctors Superia Credit Card Review

The HDFC Doctors superia credit card is a trimmed-down version of the Doctor’s hdfc bank regalia credit card. It is a specifically designed credit card for doctors that acts both like a regular credit card as well as a shield that can cover you against professional catastrophe caused by negligence, making it an ideal option for those with stressful professions like doctors. Apart from that, you will get a waiver on fuel surcharges, attractive benefits on dining expenses, etc. 

How does the hdfc credit card eligibility work?

HDFC bank has not clearly mentioned the eligibility criteria for this card, but as per our experience with HDFC, we can say that it should be like this. 

  • Resident Type: Indian
  • HDFC bank credit card eligibility criteria for salaried people:
    • HDFC credit card age limit: 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 50,000 monthly. 
  • HDFC bank credit card eligibility criteria for self-employed people:
    • HDFC credit card age limit: 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 6 lakh. 
  • A credit score of 750+ is needed to apply for this hdfc doctors credit card

What documents are required to apply for the HDFC doctors credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your online credit card application is submitted successfully, you can track hdfc credit card application status from the hdfc bank credit card online status tracking page. The complete process can be found on our faq page.

What are the doctors superia hdfc credit card fees?

  • HDFC credit card joining fee: Rs.1000 + GST
  • HDFC credit card annual fee: Rs.1000 + GST

What are the benefits of hdfc credit card?

  • Get started with a huge joining bonus:

As you generate pin for hdfc credit card for the first time and pay your first-year joining fee, you will receive 1000 bonus hdfc bank rewards as a welcome gift.

Now if you are thinking about how to activate my hdfc credit card, then take a look at the HDFC credit card FAQ page. The hdfc bank credit card pin generation process is discussed there. 

  • Exclusive hdfc credit card reward program:

You can earn 3 reward points for every Rs. 150 retail transactions made with this card. The hdfc credit card redemption process is very simple. You can use credit card points to get a product from the hdfc credit card catalogue of rewards or you can redeem them into air miles. You will get 100 air miles for 667 points.

You can find the hdfc credit card rewards point redemption form in the form center     

  • Dine with more delight:

For dining at most of the frontline restaurants in India, you will get up to 50% extra credit card rewards points than the normal reward point earning rate. 

As per the new rbi credit card guidelines for credit card issuers, hdfc bank online credit card transactions are turned off on new cards. You can turn on the credit card online payment option very quickly from your hdfc bank credit card app

If you are interested to know how to enable hdfc credit card for online transaction then feel free to visit the HDFC credit card FAQ page

  • Get freedom from fuel surcharges:

Use this hdfc credit card variant to purchase fuel at any fuel station in India, and you will get a 1% waiver on fuel surcharges. The transaction amount should be between Rs. 400 to Rs. 5000 and you can earn a maximum of Rs. 250 waiver in a credit card statement cycle. 

  • Attractive renewal offers on hdfc bank credit card:

Every year with the payment of hdfc bank credit card renewal fee, you will get 1000 reward points as a bonus gift.

  • Instant bill payment options:

You are allowed to pay your hdfc credit card bill online from your hdfc bank credit card online banking account or by using any credit card bill payment apps like Cred, Paytm, Phone Pe, Google Pay, etc. 

But if you are uncomfortable paying hdfc credit card bill online, then you can visit our faq page to know more about the offline hdfc credit card payment methods.

  • Complimentary insurance coverage:

This doctor credit card comes with a coverage of Rs.20 lakh against any unfortunate events caused by your professional negligence. The hdfc credit card insurance policy also covers the costs of legal actions or defense-related expenses. 

  • Complimentary lost card liability coverage:

If your card ever gets lost or stolen, you just have to report it by calling the hdfc bank credit card toll-free customer care number, and you will no longer be liable for anything bad that may happen to your card.

Also if you notice some unauthorized or suspicious transactions on your credit card account, you can raise a hdfc credit card dispute against this particular transaction. You can also download the hdfc bank credit card dispute form from the hdfc credit card form center

  • Advanced security arrangements:

HDFC bank has equipped this doctors special card with the advanced EMV chip. It stores your sensitive information with a very strong encryption method, which makes your card more secure than before. 

But fraudulent transactions can happen at any time, in such cases, you should immediately call the customer care number of hdfc bank credit card and report your problem. You can also block your card from the hdfc credit card mobile banking account

What are the HDFC bank doctors card charges?


Payable amount

HDFC bank credit card cash withdrawal charges For cash withdrawal from credit card you will be charged 2.5% against the transaction amount (min Rs. 500)
Finance charges in hdfc credit card The hdfc credit card rate of interest is 3.6% monthly or 43.2% annually. Applicable even if the minimum amount due in hdfc credit card is paid
Foreign currency conversion charge 3.5% against the transaction amount
HDFC credit card add on card fee Free for a lifetime

You can apply for an add on credit card from your nearby hdfc credit card office, you can also download the add-on card form from the hdfc credit card forms center

What are the hdfc credit card contact details?

  • Call the hdfc credit card call center number: 1800-266-4332 (Toll-Free) / 1800-202-6161(Toll-Free) or 022-6160-6161
  • Write to the hdfc credit card mail id: 

If you don’t want to continue with your old credit card, then you can close credit card account permanently. You can visit our HDFC credit card FAQ page to know how to close hdfc bank credit card permanently.

100xGain Ratings: 


Pros and cons of this hdfc doctors credit card:



  • This hdfc credit card offers attractive deals on dining expenses.
  • It comes with huge professional indemnity insurance coverage.
  • This doctor card does not offer any lounge access benefits.

Final Opinion:

If you are looking for a low-cost credit card for your everyday expenses, then it will be the best hdfc card option for you. It comes with professional insurance coverage, which is very good protection to have. You can also convert your earned hdfc credit card reward points into air miles which is also a very useful feature. 

This special card for doctors lacks some features like free lounge access and entertainment-related benefits, but at an annual fee of just Rs. 1000, there is nothing to complain about. And if you are looking for a low-cost doctor’s credit card then you should definitely go for it.

Alternative cards of the hdfc superia credit card: 

  1. The BOB ICAI credit card (Best for lounge access)
  2. Doctor’s regalia hdfc bank credit card (Best for professional insurance coverage and lounge benefits) 
  3. SBI Aurum credit card (Best for lounge and movie benefits)

It is often asked, ‘Which is the highest HDFC credit card?’ If you ask me, I would say the HDFC infinia credit card is the highest card from HDFC bank.

2 thoughts on “HDFC Doctors Superia Credit Card Review”

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