The HDFC Doctors Superia Credit Card is a mid-range credit card from HDFC Bank, specifically created for Indian doctors including both salaried and self-practicing medical professionals. It combines everyday reward earning with specialised insurance benefits tailored for the medical profession.

• Earns 3 Reward Points for every Rs.150 spent on eligible retail purchases
• 50% bonus Reward Points on restaurant dining transactions
• Professional Indemnity Insurance coverage up to Rs.20 Lakh
• Complimentary accidental death insurance of Rs.50 Lakh
• Low annual fee of Rs.1,000 with spend-based waiver

Earn 3 Reward Points for every Rs.150 spent on eligible retail purchases. Only retail transactions qualify; cash advances, fees, and other charges do not accrue points. Transactions below Rs.150 do not earn any Reward Points.

Dining Benefits

Enjoy 50% more Reward Points when you dine at restaurants. This bonus applies only to transactions classified under the Restaurant Merchant Category Code (MCC) by Visa/MasterCard. Hotel category MCCs do not qualify for this bonus.

Insurance Coverage

The card provides three types of insurance:

• Professional Indemnity Insurance: Coverage up to Rs.20 Lakh against costs arising from professional negligence, including bodily injury or death of patients caused by error, omission or negligence. Legal costs covered up to Rs.4 Lakh per accident with Rs.25,000 deductible per claim.
• Accidental Death Insurance: Rs.50 Lakh complimentary coverage on making minimum 4 transactions of Rs.100 or more per calendar month.
• Purchase Protection: Coverage for fire and burglary up to Rs.25,000 per item for portable equipment and Rs.2 Lakh for all other assets on purchases of Rs.5,000 or more.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000. Maximum waiver capped at Rs.250 per statement cycle. GST on fuel surcharge is not refundable.

Air Miles Conversion

Convert Reward Points to Singapore Airlines KrisFlyer miles at 667 Reward Points = 100 KrisFlyer miles. Redeemable for flight tickets on over 20 international airlines or any major domestic airline.

• 1,000 Reward Points on payment of joining fee (worth Rs.250)

Renewal Benefit

• 1,000 Reward Points on annual card renewal (worth Rs.250)

First Year Fee Waiver

• Joining fee of Rs.1,000 reversed on spending Rs.15,000 within 90 days of card setup

Annual Fee Waiver

• Annual fee waived on spending Rs.1 lakh or more in the previous year

Annual Spend Milestone

• Spend Rs.5 lakh or more annually and redeem points for an air voucher worth Rs.8,000 or corresponding air miles

The HDFC Doctors Superia Credit Card does not offer complimentary airport lounge access. Cardholders seeking lounge access benefits may consider upgrading to the HDFC Doctors Regalia Credit Card which offers superior travel benefits.

Earn 3 Reward Points for every Rs.150 spent on eligible retail purchases. Restaurant dining earns 50% more points (approximately 4.5 RP per Rs.150). Insurance transactions are capped at 2,000 RP per transaction.

Redemption Options

• KrisFlyer Miles: Convert at 667 Reward Points = 100 KrisFlyer miles. Redeemable for flights on 20+ international airlines.
• Rewards Catalogue: Redeem for gifts and vouchers from the HDFC Bank exclusive catalogue via net banking.

Points Validity

Reward Points are valid for 2 years from the date of accumulation.

• Applicant must be an Indian doctor
• Available for both salaried and self-practicing doctors
• CIBIL score of 750 or above generally required

Age Requirements

• Salaried doctors: 21 to 60 years
• Self-practicing doctors: 21 to 65 years
• Add-on cardholders: 18 years or above

• PAN Card
• Aadhaar Card
• Passport

Address Proof (Any One)

• Aadhaar Card
• Passport
• Latest utility bill

Income Proof

• Latest salary slips (for salaried doctors)
• Income Tax Returns (for self-employed doctors)

Professional Proof

• Medical registration certificate or equivalent proof of being a practicing doctor

Note: This card is no longer available for new applications. Sourcing has been stopped by HDFC Bank.

For Existing HDFC Bank Account Holders (When Available)

1. Download the application form from the HDFC Bank website
2. Fill in your personal and professional details
3. Submit it at your local HDFC Bank branch
4. The bank will process and send the card to your mailing address

For Non-HDFC Bank Account Holders (When Available)

1. Download the Account Opening form
2. Fill it out including the Doctors Superia Credit Card application
3. Submit to your nearest HDFC Bank branch

The HDFC Doctors Superia Credit Card is a well-designed credit card that addresses the specific needs of medical professionals in India. Its standout feature is the Professional Indemnity Insurance covering professional negligence up to Rs.20 Lakh, a benefit not found on most other credit cards.

With a low annual fee of Rs.1,000 (easily waivable), decent reward earning on dining, and comprehensive insurance coverages including Rs.50 Lakh accidental death cover, it offers genuine value for its target audience. However, the lack of lounge access and modest base reward rates are areas where it falls short compared to premium cards. Since the card is no longer available for new applications, existing cardholders should maximise its benefits while they last.