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Explore cards from India's leading banks.
Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
3 Reward Points per ₹150 spent
Earn 3 Reward Points for every ₹150 spent on regular retail purchases. Earn 50% extra Reward Points (4.5 RP per ₹150) on dining spends. Points can be converted to air miles (KrisFlyer, etc.) or redeemed for products and cashback.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹1,000 is waived if you spend ₹1,00,000 or more in the previous anniversary year
Renewal benefit of 1,000 Reward Points every year (applicable only if the renewal fee is paid and not waived)
Complimentary Priority Pass Membership allowing access to international airport lounges (lounge visits may be chargeable at standard rates)
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle)
An honest read on where this card earns its keep — and where it doesn't.
Good air mile conversion program for domestic and international frequent flyers
Easily achievable annual fee waiver target of ₹1 Lakh
Provides Priority Pass membership for global lounge access
Accelerated rewards (50% bonus) on dining expenses
Legacy card that has largely been superseded by the HDFC Regalia and Millennia series
International lounge visits via Priority Pass are typically chargeable ($32+ per visit)
Base reward rate is relatively low compared to modern premium cards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Superia Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Superia Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Superia Credit Card has an annual fee of ₹1,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "1,000 Reward Points upon realization of the joining fee.".
HDFC Superia Credit Card earns Reward Points at a primary rate of 3 Reward Points per ₹150 spent. Specifically, Earn 3 Reward Points for every ₹150 spent on regular retail purchases. Earn 50% extra Reward Points (4.5 RP per ₹150) on dining spends. Points can be converted to air miles (KrisFlyer, etc.) or redeemed for products and cashback.. Spends in Travel, Rewards, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Superia Credit Card can be redeemed for Airmiles (KrisFlyer, etc.), Product Catalogue, Cashback / Statement Credit via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, HDFC Superia Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary Priority Pass Membership allowing access to international airport lounges (lounge visits may be chargeable at standard rates)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of HDFC Superia Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Superia Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Superia Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Superia Credit Card currently features a welcome offer: "1,000 Reward Points upon realization of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Good air mile conversion program for domestic and international frequent flyers and Easily achievable annual fee waiver target of ₹1 Lakh. However, keep in mind that Legacy card that has largely been superseded by the HDFC Regalia and Millennia series and International lounge visits via Priority Pass are typically chargeable ($32+ per visit). Overall, HDFC Superia Credit Card delivers strong value if your regular spending aligns with Travel, Rewards, Lifestyle.
Yes, HDFC Superia Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
