HDFC Bank Doctor's Superia Credit Card
HDFC Bank · Closed to new applicants
A rewards card for doctors, closed to new applicants. HDFC lists 3 reward points per ₹200 (50% more at restaurants), 1,000 bonus points on joining and each year and a ₹20 lakh professional indemnity cover, for ₹1,000 a year waived at ₹1 lakh. Not valued: no usable point value is published.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 20 Oct 2026
Where the sources disagree
- fuel surcharge waiver cap: The product page says a maximum waiver of ₹250 a statement cycle. The MITC v4.15 fee table puts Doctor's Superia in the ₹500 row. The MITC is used.
Terms the calculator does not value
- Earn rules are not entered because no reward point value is published for this card. HDFC lists 3 reward points per ₹200 (product page and 15 May 2026 notice; transactions below ₹200 earn nothing), 50% more points at restaurant merchant codes, 2-year point expiry, and the general exclusions of MITC v4.15 (fuel, rent and government, wallet loads, EMI, skill gaming, education through apps) and monthly caps (groceries 1,000, insurance 2,000, utilities 2,000, telecom 2,000).
- Redemption: the page offers air miles on 20+ international airlines at "100 AirMiles = 667 Reward Points" without naming the programme, and an exclusive rewards catalogue at "the applicable redemption rate". No rupee value or named programme is published, so no currency is entered.
- The MITC fair usage clause lists "doctors" at 15,000 points a statement cycle; it does not say whether that is Doctor's Regalia or Doctor's Superia.
Sources
- Doctor's Superia credit card product page (Product page, the bank's own, read 20 Oct 2026)
- Doctor's Superia credit card fees and charges page (FAQ, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- Professional indemnity insurance cover for HDFC Bank Doctor's Superia/Regalia cardholders (hdfc-ergo-general-insurance.pdf, linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)