HDFC Superia Credit Card Review

The HDFC Bank is one of the leading credit card issuers in India. Their credit cards are best for offering attractive benefits and usefulness. In this case, the hdfc superia credit card is not an exception. It is a low annual fee credit card with some premium benefits, designed to take care of your travel-related needs. You will get hdfc bank rewards that can be converted into air miles, benefits on dining, fuel surcharge waiver, lost card liability coverage, and lots more. More about the benefits of hdfc credit card are discussed below.

Who can apply for the hdfc bank superia credit card?

• Resident Type: Indian
• HDFC bank credit card eligibility criteria for salaried person:
  • HDFC credit card age limit: 21 to 60 years. 
  • Income: The average income of the applicant should be Rs. 30,000 monthly. 
• HDFC credit card eligibility criteria for self-employed person:
  • HDFC credit card age limit: 21 to 60 years
  • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
• An excellent credit score (above 760) is needed to apply for this hdfc bank credit card. 

What documents are required to apply for an hdfc credit card application? 

• 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 for the last year
    • Proof of business

You can apply for this card from the hdfc credit card apply online portal. Once your application is submitted successfully, you can track the hdfc bank credit card application online using your application number. You can click here to go to the hdfc credit card status checking page. 

What are the HDFC superia credit card fees?

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

What are the hdfc superia credit card benefits?

• Get started with a huge joining bonus:

With your hdfc credit card activation, you will be welcomed with 1000 reward points. The hdfc superia credit card reward points will be credited to your account with the payment of hdfc credit card first-year joining fee. You will get the same benefit with the payment of your hdfc credit card renewal fee.   

• Make every transaction rewarding:

This hdfc card offers 3 reward points for each Rs.150 transaction made with this superia credit card. This credit card rewards points are very useful; you can convert them into air miles (1 point = 0.7 air miles). You can also use them to purchase products from the hdfc credit card points rewards redemption catalog. 

• Experience travel benefits like never before:

This hdfc superia credit card features a complimentary priority pass membership; it gives you free access to some of the leading priority pass lounges. As per the new RBI rule for credit card issuers in India, hdfc credit card online payments on new credit cards are turned off, but you can turn it on manually from the mobile app for hdfc credit card. 

• Dine with more delight:

This hdfc credit card offers up to 50% extra hdfc points for dining at some of the premium restaurants in India. You can check the status of hdfc credit card total earned points from your HDFC credit card netbanking account or from your monthly statement of hdfc credit card you can easily get hdfc credit card statement from your hdfc credit card net banking account. 

• Get freedom from fuel surcharges:

This superia card offers a 1% fuel surcharge waiver across all fuel stations in India and on a minimum transaction of Rs.400. You can earn a maximum waiver of Rs. 500 in a hdfc billing cycle. 

• Opportunity to earn some extra:

Credit card usage	Benefits
Rs.15,000 within the first 90 days of your credit card pin generation.	A complete waiver on your hdfc card joining fee
Rs.75,000 within a year	A full waiver on the next year’s hdfc credit card annual fee

You can check your hdfc credit card account status from the hdfc credit card app. 

• Instant bill payment options:

You are allowed to make your hdfc credit card payment through hdfc net banking account, or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc.

But if you don’t want to go online, then you can make your hdfc bank credit card payment through cheque, NEFT, or by visiting your nearby HDFC branch. If you want to know how to pay hdfc credit card bill? then take a look at the hdfc credit card faq page. 

• Lost card liability coverage:

This hdfc credit card features lost card liability coverage. So if your hdfc card ever gets lost or stolen, just report it by calling the hdfc toll free credit card customer care number, and you will not be liable for anything bad that may happen to your hdfc credit card account. You can also block your missing hdfc credit card account online from your hdfc credit card net banking account. 

• Security of the advanced EMV chip:

This hdfc signature credit card comes with a pre-installed microchip. It uses a very strong encryption method to store your hdfc credit card information which makes your card much more secure than before.

But if you notice something unusual with your hdfc credit card account, you can report the problem by contacting the hdfc credit card department. The hdfc bank credit card settlement department contact details are given below. 

What are the superia hdfc credit card charges?

Particulars	Chargeable amount
HDFC cash advance fee	2.5% against the transaction amount, min Rs. 500. Check your hdfc superia credit card limit before making a withdrawal.
Finance charges in hdfc credit card	The hdfc credit card interest rate can go up to 3.6% monthly or 43.2% annually. Applicable even if the minimum amount due in credit card is paid
HDFC international credit card transaction charge	3.5% against the transaction amount
HDFC credit card add-on card fee	Free for a lifetime

What are the hdfc bank credit card contact details?

• Call the hdfc credit card call centre number: 1800-266-4332 (Toll-Free) / 1800-202-6161(Toll-Free) or 022-6160-6161
• Write to the hdfc credit card support email id: customerservices.cards@hdfcbank.com 

If you don’t want to use your hdfc credit card anymore, you can close it very quickly. The complete procedure to close hdfc credit card account can be found on the 100xGain FAQ page. 

100xGain Ratings: 

7/10

Pros and cons of the hdfc visa superia credit card:

Pros	Cons
You can earn hdfc bank rewards with every transaction. You will get a complimentary hdfc priority pass membership.	There are no entertainment benefits on this superia card.

Final Opinion:  

As said before, this hdfc visa credit card is a mixture of premium features and affordability. The most attractive feature of the card is the reward points and hdfc priority pass membership. Also, the lost card liability coverage, extra hdfc card reward points on dining expenses and annual fee waiver option can easily justify the Rs.1000 annual fee. So if you want to get some premium credit card features for cheap, this card will be the best hdfc credit card for you.  

Also, if you want to compare some alternative options, then make sure to take a look at the alternative card options given below.

Alternative cards of this hdfc visa signature credit card: 

1. American express platinum charge card (Best for lounge, travel, and dining benefits)
2. Hdfc Diners Club Premium Credit Card (Best for lounge and travel benefits)
3. Intermiles ICICI Bank Sapphiro Credit Card (Best for reward and movie benefits)