HDFC Bank Superia Credit Card

Card Details

Avail Benefit of 1000 reward points worth ₹300 on card renewal.
Earn 3 Reward Points on every ₹150 spent on retail purchase.
Get 50% more rewards points on dining.
Enjoy 0% fuel surcharge on transactions between ₹400 to ₹5000, capped at ₹500 per statement cycle.
Enjoy Lounge access at airport in India or overseas.
Spend ₹15,000 within first 90 days and get the 1st year fee reversed.
Spend ₹75,000 in a year and get next year’s fee waived off.
Enjoy zero liability on any fraudulent transactions made with your card post reporting of the lost card.
Earn ₹8000 Air voucher or corresponding Air Miles, calculated on redemption of reward points earned on a spend of ₹5 Lacs – 20% of spends assumed on dining.
Pay ₹199 and get enrolled in Global Value Programme, and avail 500 Bonus Reward Points of worth ₹130 on 1st International transaction once in a year, 1% Cashback on all International transactions with maximum ₹1,000 per statement cycle, ₹2,000 with ClearTrip voucher once you accumulate International spends of ₹1.50 Lacs in a year once in a year.

Pros	Cons
Zero Lost Card Liability Reward Points Valid for 2 Years Annual Fee Waiver Get Loan on Your Card	No Reward Point for Transactions Less Than ₹150 No Reward Points on Fuel Transactions Charge of ₹75 per Reward Redemption Request No Less Than 500 Points Can Be Redeemed

Annual Fee: ₹1000
First Year Fee: ₹1000
Add-on Card Fee: Upto 3 Cards lifetime fee
Grace Period: 20-50 days
Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Cash Advance Fee: 2.5% or minimum ₹300 on each transactions
Late Payment Charges: Nil for less than ₹100; ₹100 for ₹100 to ₹500; ₹400 for ₹501 to ₹5000; ₹500 for ₹5001 to ₹10,000; ₹700 for ₹1,001 and above
Overlimit Charges: 2.5% of the overlimit amount, subject to min of ₹500
Min Repayment Amount: 5% of Total Outstanding, subject to min ₹200
Cash Advance Limit: 4.% of the credit limit
Cash Processing Fee: ₹100
Reward Redemption Fee: ₹75 per redemption request
Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of ₹250
Fuel Surcharge: 0% Fuel surcharge for transactions between ₹400 to ₹5000. Fuel surcharge waiver capped at ₹500 per statement cycle.
Card Replacement fee: ₹100
Foreign Currency Transactions: 3.5% of conversion mark-up fee

3 Reward Points on every ₹150 spent. 100 Reward Points = 70 air miles / ₹70 Air Voucher. Only retail purchases qualify for Reward Points. Cash advance, fees and other charges do not accrue any reward points.
50% more rewards points on dining. (only on those transactions which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.)

Reward Rate: Rs. 0.60 per Rs. 100 spend