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HDFC Bank Doctor’s Superia Credit Card Features and Benefits

HDFC Bank Doctor’s Superia Credit Card is specially designed for the doctors and comes with an array of features that are curated to benefit them. This card comes with amazing offers related to reward points, dining, travel, and insurance. Read more about these features and benefits below :

Welcome Benefits

• You entitled to get 1000 reward points as a welcome benefit.
• The welcome benefit is subject to the payment of the joining fee.

Reward Benefits

• You earn 3 Reward Points on every spend of Rs. 150.
• You can earn 50% more Reward Points on spends made on dining through this card.

Reward Redemption

• Redeem your reward points to get free Airmiles where 667 Reward Points = 100 AirMiles
• Reward Points can also be redeemed by choosing your own reward from the exclusive HDFC Bank Reward Catalog. They can be redeemed by logging in to your internet banking account via HDFC Bank’s official website.

Dining Benefits

This card gives you 50% more reward points when you dine in restaurants so that you find tons of reasons to enjoy your meal and dine out.

Insurance Benefits

• Get insurance coverage worth upto Rs. 20 Lakhs against costs arising due to professional negligence under Professional Indemnity Insurance (Up to Rs.4 Lakh per accident).
• The policy covers the injury or death of any patient caused by error or negligence in the professional service provided.
• It also covers defence expenses and legal costs so that your profession is safeguarded and you get to defend your case if the need arises without worrying about the fees associated.

Fuel Surcharge Waiver

You get 1% of fuel surcharge waived at all petrol stations in India. The transaction amount should be between Rs. 400 and Rs. 5000 (waiver capped at Rs. 250 per statement cycle)

Renewal Benefit

You are entitled to 1000 Reward Points every time you get your HDFC Bank Doctor’s Superia Credit Card renewed

Spend Based Waiver

Annual membership fee of Rs. 1000 can be waived if you spend Rs. 1 Lakh or more in the previous year

HDFC Bank Doctor’s Superia Credit Card : Fees and Charges

• You have to pay an annual fee of Rs 1,000 for the HDFC Bank Doctor’s Superia Credit Card.
• The renewal charges of this card are Rs. 1000
• An interest rate of 3.6% per month (or 42.3% annually) is levied on this card.
• Foreign Currency mark-up fee of 3.5% of the transaction amount is applicable on all foreign currency transactions made with HDFC Bank Doctor’s Superia Credit Card.
• A cash withdrawal fee of 2.5% of the withdrawn amount is applicable on all cash withdrawals made with the card at ATMs (subject to a minimum of Rs. 500)

Eligibility Criteria for HDFC Bank Doctor’s Superia Credit Card

• The applicant must be an Indian Doctor
• If the applicant is a salaried doctor then he must be between 21 to 60 years of age
• If the applicant is a self-practicing doctor then he must be between 21 to 65 years of age

Pros and Cons of HDFC Doctor’s Superia Credit Card

Everything has two sides like that of a coin and similarly, the HDFC Doctor’s Superia Credit Card has its own advantages as well as disadvantages. We are going to discuss the same in the following table:

Conclusion

HDFC Bank Doctor’s Superia Credit Card is a comprehensive credit card solution for all doctors. It comes with notable features that any doctor would love to take advantage of and use to enhance their travel and dining experiences. Another card that is offered by the bank exclusively for Doctors is the Doctor’s Regalia Credit Card. Needless to say, the HDFC Bank Doctor’s Superia Credit Card is liked by most doctors owing to its customized benefits. Like any other credit card, it comes with certain liabilities and one should maintain punctuality related to balance payments to avoid any financial burden associated with it.