HDFC Bank Doctors Superia Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charges: 3.75% per month (45% per annum) on revolving credit and cash advances.
• Late payment charges (Excl. GST) by outstanding balance: <=₹100 Nil.
• ₹101-500 ₹100.
• ₹501-1,000 ₹500.
• ₹1,001-5,000 ₹600.
• ₹5,001-10,000 ₹750.
• ₹10,001-25,000 ₹900.
• ₹25,001-50,000 ₹1,100.
• >₹50,000 ₹1,300.
• Over limit charges: 2.5% of overlimit amount, min ₹550.
• Payment return charges: 2% of payment, min ₹450.
• Cash processing fee: ₹100.
• Rewards redemption fee: ₹99 per request.
• Cashback redemption charges: ₹50 per redemption.
• Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
• Reissue of lost/stolen/damaged card: ₹199 non-metal (₹3,500 metal).
• Add-on card fee: Lifetime Free.
• Dynamic currency conversion markup fee: 1.75% (w.e.f 15th May 2026).
• Rent Pay: 1% of transaction, capped ₹4,999 (w.e.f 1st July 2025).
• Fuel charges: 1% on fuel spends exceeding ₹15,000, capped ₹4,999.
• Utility charges: 1% on utility spends exceeding ₹50,000/month, capped ₹4,999.
• Education charges (third-party apps): 1% capped ₹4,999.
• Online skill-based gaming: 1% on spends exceeding ₹10,000/month, capped ₹4,999 (w.e.f 1st July 2025).
• Wallet loading (excl PayZapp): 1% on spends exceeding ₹10,000/month, capped ₹4,999 (w.e.f 1st July 2025).
• Railway ticket purchase fee: 1% + GST.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia · 2026-08-04 · source

Interest-free period

• Interest free credit period ranges from 20 to 50 days, subject to the scheme applicable, provided all previous dues are paid in full.
• Not applicable if previous balance not cleared in full or cash withdrawn from ATM.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000.
• Maximum waiver of ₹250 per statement cycle.

Verified · Doctors Superia Credit Card product page · 2026-08-04 · source

Reward cap

• Insurance transactions capped at 2,000 Reward Points per month (w.e.f 1st July 2025).
• Grocery transactions capped at 1,000 Reward Points per month.
• Utility transactions capped at 2,000 Reward Points per calendar month.
• Telecom transactions capped at 2,000 Reward Points per calendar month (w.e.f 1st September 2024).
• Maximum reward points earned in a statement cycle for Doctors is 15,000 (Fair Usage Policy).

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia · 2026-08-04 · source

Reward exclusion

• EasyEMI and e-wallet loading transactions do not accrue Reward Points.
• Reward Points reversed if a retail transaction is converted into SmartEMI.
• With effect from 1st Jan 2023 Rent payments and (except certain business cards) Government transactions do not earn Reward Points.
• With effect from 1st July 2025 Online Skill-Based gaming transactions do not earn Reward Points.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers Doctors Superia · 2026-08-04 · source

Dining benefit

Enjoy 50% more reward points when you dine out.

Verified · Doctors Superia Credit Card product page · 2026-08-04 · source

Insurance

• Professional Indemnity Insurance Cover (HDFC ERGO): covers claims arising out of alleged bodily injury/death of a patient caused by error, omission or negligence in professional service.
• Sum insured ₹20,00,000 per card in aggregate.
• ₹4,00,000 per any one incident.
• Deductible ₹25,000 for each and every claim.
• Includes legal and defence cost reimbursement, out-of-court settlement and court awards.

Verified · harvested from product page · 2026-08-04 · source

Eligibility

• Sourcing of this Credit Card has been stopped.
• Existing customers of this card will continue to enjoy the benefits.

Verified · Doctors Superia Credit Card product page · 2026-08-04 · source