HDFC Bank Superia Credit Card – Features & Benefits & Why You Should Go For This Amazing Credit Card For Lifestyle Lovers

Credit cards, in today’s world, are more than just payment instruments. They are tailored to provide rewards, discounts and lifestyle benefits to facilitate and reward everyday spending. A premium, upscale credit card as one attention. The HDFC Bank Superia Credit Card is among the many choices in the market that targets at improving the lifestyle of its users with its exclusive offers and superior features.

In this article, we will give you a detailed review of HDFC Bank Superia Credit Card including its features, benefits, eligibility and how to apply for this card. If you are seeking to improve on your current credit card or if you are new to the premium card segment and looking for a card, then you will find all the things you need to know about the HDFC Bank Superia Credit Card in this guide.

HDFC Bank Superia Credit Card Review

First off we will understand what HDFC Bank Superia credit card is.

HDFC Bank Superia Credit Card is a credit card that offers coveted benefits for discerning credit card users. Offering an ideal mix of rewards points, shopping discount, dining privileges and travel benefits, the credit card is for those who love to experience the best of luxury but also want to make every dime worth it!

HDFC, one of the largest private sector banks in India has ensured through the creation of its Superia card that it caters to consumers across the spectrum by providing benefits such as high value reward points, travel privileges and lifestyle benefits. This card offers a strong choice for individuals looking to maximize everyday spending, and it also comes with dining, shopping and travel offers.

Get HDFC Bank Superia Credit Card

The HDFC Superia Credit card has the following exciting features:

We will begin with what the HDFC Bank Superia Credit Card has to offer. Among the premium credit cards available in the market, this card differentiates itself well with these benefits.

Joining and Renewal Fees

The HDFC Bank Superia Credit Card is available with both joining and annual renewal fees. The fees change depending on the offers and the customer’s preferences.

• Joining Fee: ₹2,500 + Taxes

• Renewal Fee: ₹2,500 + applicable taxes
  Waived off if you spent more than ₹3,00,000 in previous year.

I also think the renewal fee waiver is an awesome reward, as it encourages cardmembers to spend as much as they want on the card without their purchase behavior having to suffer from the additional fee.

Reward Points System

Features and Benefits of HDFC Bank Superia Credit Card Reward points

A striking feature in this credit card from HDFC Bank is its reward points system. Every time the card is used, cardholders will receive rewards points which can then be used for merchandise, services and experiences.

• 5 Reward Points per ₹150 spent on retail purchases such as dining, online purchases etc.

• 2 Reward Points per ₹150 spent on all other transactions.

You can also collect the rewards points and use them at different redemptions like shopping vouchers, travel purchases and more.

Travel Benefits

For the travel enthusiasts, you earn the following benefits under HDFC Bank Superia Credit Card:

• Airport Lounge Access: Card members are provided with benefits of free access to domestic airport lounges within India. And this is especially good news for travelers who want to unwind before takeoff and experience high-rolling amenities without the wait.

• Fuel Surcharge Waiver: The card provides 1% fuel surcharge waiver for fuel transactions ranging between ₹400 and ₹5,000 and hence is a great card for regular petrol/diesel users.

• Travel Insurance: You receive accidental death insurance and lost baggage coverage when you travel with the card.

The HDFC Bank Superia Credit Card is ideally suited for active travelers - business or leisure.

Shopping and Dining Offers

The following are some of the most attractive features of the HDFC Bank Superia Credit Card Shopping and Dining benefits. Cardholders enjoy the following perks:

• Get up to 15% off on dining: Enjoy discount of up to 15% at restaurants in Hong Kong and abroad.

• Shopping Offers: This card has various tie-ups with big retailers, which provide exclusive discounts and features for the card. Shoppers also earn bonus reward points with partnered retailers.

The card has unique partnerships with retail and dining brands to supercharge the shopping and dining experiences across brands and being a must-have card for individuals who “love to shop and dine in luxury”.

Fuel Surcharge Waiver

Fuel Surcharge Waivers – If you drive your car often, you can avail the benefit of fuel surcharge waivers on the HDFC Bank Superia Credit Card. You get a 1% surcharge waiver at petrol pumps, on fuel transactions of ₹4,000 to ₹5,000, made using your card; maximum waiver on each transactions capped at ₹250. This advantage can be particularly beneficial to users who travel long distances on a regular basis, as it will save on fuel costs over the long term.

Contactless Payments

In a digital age, speed and ease are everything. The HDFC Bank Superia Credit Card also has contactless payments for wave-and-pay convenience. This perk makes it super easy to use the cards though, especially for small purchases, and that’s why it’s one of the most user-friendly credit cards.

FlexiPay and EMI Facility

Through the FlexiPay option, cardholders may also be able to convert their big spends into easy EMIs. It’s a good way of making a big purchase more manageable. Not only does this spread the cost of the purchases over several months, but also offers a lower interest rate – a great way of not feeling the brunt of expensive purchases!

FlexiPay is applicable on a minimum purchase of ₹2,500 and the EMI tenure can be selected as per individual’s preference.

Other Benefits of the HDFC Bank Superia Credit Card

Comprehensive Insurance Coverage

Offers insurance The HDFC Bank Superia Credit Card has holistic insurance included to make sure that the cardholder is safe in case of emergencies:

• Accidental Death Insurance: The cardholders of this card are offered the accidental death coverage.

• Purchase Protection: The card’s purchase protection grants cardholders peace of mind when making purchases.

• Lost Baggage Protection: Cardmembers are covered if their bags are lost on a trip with this coverage.

Reward Redemption

HDFC Bank Superia Credit Card Reward Points

Although the reward points collected under the HDFC Bank Superia Credit Card can be redeemed for a range of rewards including:

• Gift Cards: Exchange your points for gift cards from well-known retailers, both online and offline.

• Flights and Hotels: Redeem points towards flights, offers booking up to 500 airlines, courts and other travel products in minutes – making it simple for you to plan your travel the way you want.

• Products and Merchandise: You can use points to purchase lifestyle products, electronics and gadgets from the HDFC Rewards catalogue.

Eligibility

The eligibility criteria to apply for the HDFC Bank Superia Credit Card are as follows:

• Age: The candidate should 21 years to 60 years.

• Income: Minimum monthly income must be ₹50,000 (for salaried) and annual income should be ₹ 6 lakh for self-employed.

Why Should You Go for the HDFC Bank Superia Credit Card?

Premium Experience

The HDFC Bank Superia Credit Card has brought in the premium life style at an affordable price. The fact that it’s a mix of lifestyle, shopping, dining and travel rewards, makes it ideal for those who want to live it up a little and enjoy the perks, while benefiting from extra rewards and savings.

Reward Points and Benefits

One of the most attractive feature of HDFC Bank Superia Credit Card is that it has the system of reward points. Card members can earn Reward Points of up to 5 per ₹150 spent on retail purchases and redeem them to access a myriad of redemption options.

Exclusive Access to Airport Lounges

HDFC Bank Superia Credit Card comes with complimentary access to the domestic airport lounges, which is a great boon for regular travelers! This alone is what makes this card priceless if you are having to use the airport a lot.

Flexible Payment Options

This card offers special offerings to split-convert your purchases into EMI using Flexipay. This makes it a great feature for individuals who want to pay off larger purchases over time.

Conclusion

The HDFC Bank Superia Credit Card is a full-fledged premium card with a great combo of rewards, travel benefits, and lifestyle benefits. If you are after preferential dining deals, travel privileges or being able to earn rewards from daily expenses, this card has a lot to offer.

For those who love to lead a luxurious life and make the best use of their spends, the HDFC Bank Superia Credit Card is the one to have. With rewards, insurance protection, travel benefits and shopping perks, it is an ideal choice for those who are looking for more than a card but a lifestyle.

If you love pampering, value adds and luxury, then you should just have a look at HDFC Bank Superia Credit Card for yourself! Time to enjoy the finest in rewards, luxury, and convenience with this amazing credit card.