HDFC Bank Superia Credit Card
HDFC Bank
Last verified: 24 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Dining at select premium restaurants | 0.45% | No cap |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 0.3% | No cap |
Redemption fee: 99
Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Live Offers
305 activeTJHDFC15Till 31 DecBenefits
Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Welcome Benefit
1,000 Reward Points as a welcome benefit
Annual Benefit
1,000 Reward Points as a renewal benefit every year
There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹1,000/yr |
| Renewal Fee | ₹1,000/yr |
| Fee Waiver | Spend ₹75,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
