HDFC Bank Superia Credit Card
HDFC Bank · Closed to new applicants
An air-miles flavoured HDFC rewards card, closed to new applicants. It earns 3 reward points per ₹200 with 50% more at premium restaurants and converts points to KrisFlyer miles, for ₹1,000 a year waived at ₹1 lakh.
- 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
- Base rate
- Retail spends: 3 Reward Points per ₹200 (about 0.78% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on rent and property management, or on government payments (from 1 January 2023)
- No points on wallet loads
- No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
- No points on online skill-based gaming (from 1 July 2025)
- No points on education fees paid through third-party apps (from 1 September 2024)
Where the sources disagree
- renewal fee waiver spend: The product page and fees page say ₹75,000 a year (the fees page also says ₹15,000 in 90 days for the first year). MITC v4.15 gives ₹1 lakh a year. The MITC is used.
- interest rate: The product page and fees page say 3.49% a month. MITC v4.15 gives 3.75% for all variants other than the 1.99% cards. The MITC is used.
Terms the calculator does not value
- "50% more Reward Points on Dining expenses at select premium restaurants" (product page). HDFC does not list the restaurants, so the bonus (1.5 extra points per ₹200) is not applied to dining in general.
- Priority Pass: complimentary membership is listed but the number of visits and any charge in India are not stated.
- Only KrisFlyer conversion has a stated ratio; domestic-airline vouchers and the rewards catalogue are described without values.
- SmartBuy cashback applies only to purchases made through the SmartBuy portal. This card is not named in the SmartBuy table, so it is placed in the "Other credit card (CashBack)" column (5% or 10% on listed categories and merchants, ₹1,000 a month), as for HDFC's other unnamed cards. The table is valid till 31 March 2027.
Sources
- Superia credit card product page (Product page, the bank's own, read 20 Oct 2026)
- Superia credit card fees and charges page (titled "Superia Airline Credit Card Fees & Charges") (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)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)