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 reward points that can be converted into air miles, benefits on dining, fuel surcharge waiver, lost card liability coverage, and lots more. 

Eligibility Criteria:

To become eligible for an HDFC credit card, you need to fulfill these hdfc credit card requirements

  • Resident Type: Indian
  • For salaried person:
    • Age: The HDFC credit card age limit for salaried people is 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 30,000 monthly. 
  • For self-employed person:
    • Age: The HDFC credit card age limit for self-employed people is 21 to 60 years
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 760) is needed to apply for this card. 

Required Documents: 

  • 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 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. Also, as your credit card application gets approved, you will get a hdfc credit card speed post tracking id via SMS or email, you can use this number to track credit card dispatch status. 

Fee:

  • Joining Fee: Rs. 1000 + GST
  • Annual Fee: Rs. 1000 + GST

Benefits:

  • Attractive welcome gift:

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

You can easily make your hdfc credit card payment through hdfc net banking , or by using any credit card payment app . But if you don’t want to go online, then you have the option to 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 100xGain Faq page

  • Exclusive reward points:

This card offers 3 reward points for each Rs. 150 transactions made with this card. These credit card rewards points are very useful; you can convert them into air miles against over 20 international and all major domestic airlines (1 point = 0.7 air miles). You can also use them to purchase products from the hdfc credit card points rewards redemption catalog. You can download the hdfc bank credit card reward points form from the HDFC credit card form center.

  • Travel benefits:

You will get free membership in the priority pass program; it gives you free access to some of the leading priority pas 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 HDFC credit card mobile app. 

  • Extra rewards on dining:

This card offers up to 50% more rewards 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 net banking 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. 

  • Freedom from fuel surcharge:

If you use this card to purchase fuel you will get a 1% waiver on fuel surcharges. This offer is applicable at most of the fuel stations in India and on a minimum transaction of Rs. 400. You can earn a maximum waiver of Rs. 500 in a credit cycle. You can check hdfc credit card statement cycle from the HDFC credit card mobile app

  • Joining and annual fee waiver:

On spending Rs. 15,000 within the first 90 days of your credit card pin generation , you will get a complete waiver on the joining fee. Also, if you can spend Rs. 75,000 within a year you will get a full waiver on the next year’s renewal fee. You can check your hdfc credit card account status from the HDFC credit card mobile app

  • Attractive offers on hdfc credit card renewal fee payment:

Every year with the payment of the renewal fee, you will get 1000 reward points. This offer is not applicable if the annual fee is waived off. 

  • Lost card liability coverage:

This card comes with lost card liability coverage. So if your 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 card. You can also block your missing hdfc credit card account online from your net banking account

  • Security of the advanced EMV chip:

This card comes with a pre-installed microchip. It uses a very strong encryption method which makes your card as well as your transactions 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. 

Charges:

  • Cash Withdrawal Charge: 2.5% against the transaction amount, min Rs. 500. Check the limit of credit card withdrawal before using your card for a cash advance. 
  • Finance Charges: 3.6% monthly or 43.2% annually. Applicable even if the minimum amount due in credit card is paid.
  • Foreign currency conversion charge: 3.5% against the transaction amount. 
  • Add-on card fee: Free for a lifetime. 

Hdfc bank credit card contact details:

  • Call the hdfc credit card call centre number : 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card support email id: [email protected] 

You can close your HDFC credit card account if you don’t want to keep using it anymore. The complete procedure to close hdfc credit card account can be found on the 100xGain FAQ page

100xGain Ratings: 

7/10

Final Opinion:  

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

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