MyFinCards
Doctors Superia Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 + Taxes

HDFC Bank
Rewards
Lifestyle
Best For: Medical professionals/doctors

Doctors Superia Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.667

Points Validity

24 Months

Pros

  • Professional negligence insurance up to ₹20 Lakh
  • Unlimited airport lounge access for primary and add-on members
  • 50% more reward points on dining
  • Air miles redemption on 20+ international airlines
  • 1% fuel surcharge waiver

Cons

  • Card sourcing has been stopped; not available for new applicants
  • Reward points expire after 2 years
  • Transactions below ₹150 do not accrue reward points
  • Cash advance and fees do not earn reward points

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

50% extra dining points only on Restaurant MCC; Hotel MCC not eligible

Fuel surcharge waiver capped at ₹250 per statement cycle

Professional negligence insurance deductible of ₹25,000 per claim

Reward points valid only for 2 years from date of accumulation

Key Benefits & Features

Zero lost card liability on reporting loss to 24-hour call centre

Redeem Reward Points for air miles on 20+ international airlines or major domestic airlines (100 AirMiles = 667 Reward Points)

Up to 50 interest-free days from date of purchase

Eligibility Criteria

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Aadhaar Card
PAN Card

ADDRESS Proof

Latest utility bill
Passport

INCOME Proof

Latest salary slips (for salaried individuals)
Income tax returns (for self-employed individuals)

Notable Exclusions

Cash advances, fees, and other charges do not accrue reward pointsTransaction amounts less than ₹150 do not earn reward points50% extra reward points not applicable on Hotel MCC transactions, only Restaurant MCC

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Doctors Superia Credit Card

The HDFC Bank Doctors Superia Credit Card is a Visa credit card exclusively designed for medical professionals, offering a tailored suite of rewards and benefits suited to their unique lifestyle and professional needs. Please note that new sourcing of this card has been stopped; however, existing cardholders continue to enjoy all associated benefits. Cardholders earn 3 Reward Points for every Rs. 150 spent, with 50% additional reward points on dining transactions. Welcome and annual benefits include 1,000 Reward Points on joining and 1,000 Reward Points every year. Reward Points can be redeemed for air miles across more than 20 international airlines or major domestic airlines, as well as for gifts from an exclusive rewards catalogue. The card also provides a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India, with a maximum waiver of Rs. 250 per statement cycle. A standout feature of this card is its professional indemnity insurance, offering protection of up to Rs. 20 Lakh against costs arising from professional negligence, including bodily injury or patient death due to error or omission, along with legal and defence expenses coverage. Additional benefits include zero lost card liability, revolving credit, and up to 50 interest-free days. The joining and annual membership fee is Rs. 1,000.

Expert Review

Our Verdict

Exclusive credit card for doctors with reward points, lounge access, and professional negligence insurance.

Frequently Asked QuestionsAbout Doctors Superia Credit Card

APPLICATIONHow to apply for the Doctors Superia Credit Card?
To apply for the Doctors Superia Credit Card, existing HDFC Bank account holders can download the application form, fill in their details, and drop it off at their local HDFC Bank branch. Non-HDFC Bank account holders can download the Account Opening form, fill it out including the Doctors Superia Credit Card application, and submit it to their nearest HDFC Bank branch. Please note that sourcing of this Credit Card has been stopped and it is no longer available for new applicants.
OTHERWhat is the credit limit of the Doctor's Superia Card?
The credit limit of the Doctor's Superia Card is determined based on various factors such as your income and creditworthiness. The specific credit limit will be communicated to you after your application has been processed and approved. There is no fixed credit limit applicable to all cardholders, as it varies on a case-by-case basis depending on the applicant's financial profile.
BENEFITSDoes the Doctor's Superia Card have lounge access?
Yes, the Doctor's Superia Card provides unlimited airport lounge access to 1,000 plus lounges in India for both primary and add-on card members. This benefit allows cardholders and their additional card members to enjoy complimentary lounge facilities at major airports across India, making travel more comfortable and convenient.
DOCUMENTSWhat are the documents required to apply for a Doctor's Superia Card?
The documents required to apply for the Doctor's Superia Card include proof of identity such as Aadhaar Card or PAN Card, proof of address such as a latest utility bill or passport, and income proof such as latest salary slips for salaried individuals or income tax returns for self-employed individuals. Please note that new applications are currently not being accepted as sourcing of this card has been stopped.
BENEFITSWhat are the benefits of the Doctors Superia Credit Card?
The HDFC Bank Doctors Superia Credit Card offers a range of benefits including professional negligence insurance coverage up to ₹20 Lakh, unlimited airport lounge access for primary and add-on members, 50% more reward points on dining, air miles redemption on 20+ international airlines, 1% fuel surcharge waiver at all fuel stations, 1,000 bonus reward points on joining, and 1,000 reward points every year. It is exclusively designed for medical professionals to cater to their specific needs.
OTHERWhat is the Doctor's Superia Card?
The Doctor's Superia Card is a credit card exclusively designed for doctors, providing them with a range of benefits and rewards tailored to their professional and lifestyle needs. It offers features such as professional negligence insurance, dining rewards, lounge access, and air miles redemption. Please note that sourcing of this card has been stopped and it is no longer available for new applicants, though existing customers continue to enjoy its benefits.
FEESWhat are the joining and annual fees for the Doctors Superia Credit Card?
The Doctors Superia Credit Card has a joining fee of ₹1,000 and an annual membership fee of ₹1,000. Additionally, as a welcome benefit, new cardholders receive 1,000 reward points on joining, and 1,000 reward points are also credited every year on card renewal. Please note that applicable Goods and Services Tax (GST) at 18% will be levied on all fees and charges.
REWARDSHow can I redeem reward points on the Doctors Superia Credit Card?
Reward points earned on the Doctors Superia Credit Card can be redeemed in two ways: for air miles on more than 20 international airlines or any major domestic airline at a rate of 100 AirMiles = 667 Reward Points, or for exciting gifts from an exclusive rewards catalogue at the applicable redemption rate. Only retail purchases qualify for reward points. Cash advances, fees, and other charges do not accrue reward points, and transactions below ₹150 are also excluded.
REWARDSWhat is the validity of reward points on the Doctors Superia Credit Card?
Reward points earned on the Doctors Superia Credit Card are valid for 2 years from the date of accumulation. For example, if you receive reward points in May 2023, they will expire in May 2025. It is important to redeem your reward points before they expire to maximize the value of your card. Points accumulated through retail purchases are eligible, while cash advances and fees do not earn reward points.
BENEFITSHow does the professional negligence insurance work on the Doctors Superia Credit Card?
The Doctors Superia Credit Card provides professional negligence insurance coverage worth up to ₹20 Lakh for medical professionals. This covers costs arising from bodily injury and/or death of any patient caused by error, omission, or negligence in professional services rendered. Legal costs and defence expenses are covered for any one accident up to ₹4 Lakh, with a deductible of ₹25,000 for each and every claim. This benefit is applicable from 1st September 2019 onwards.
BENEFITSWhat is the fuel surcharge waiver on the Doctors Superia Credit Card?
The Doctors Superia Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This waiver applies to transactions between ₹400 and ₹5,000. The maximum waiver is capped at ₹250 per statement cycle. This benefit helps cardholders save on fuel costs throughout the month, making everyday commuting more economical.
REWARDSHow many reward points do I earn on the Doctors Superia Credit Card?
With the Doctors Superia Credit Card, you earn 3 reward points for every ₹150 spent on regular transactions. For dining transactions classified under the 'Restaurant' Merchant Category Code (MCC) as defined by VISA, you earn 50% more reward points. Note that transactions classified under 'Hotel' MCC do not qualify for the 50% dining bonus. Transactions below ₹150 do not accrue any reward points, and cash advances or fees are also excluded.
OTHERIs the Doctors Superia Credit Card still available for new applicants?
No, sourcing of the Doctors Superia Credit Card has been stopped and it is no longer available for new applicants. Existing customers who already hold this card will continue to enjoy all its benefits and features without any disruption. If you are a new applicant looking for a credit card tailored to your needs, you may explore other HDFC Bank credit card offerings currently available.
USAGEWhat is the interest-free credit period on the Doctors Superia Credit Card?
The Doctors Superia Credit Card offers up to 50 interest-free days from the date of purchase, subject to the submission of the charge by the merchant. Additionally, cardholders can enjoy revolving credit on their credit card at a nominal interest rate. For details on the exact revolving credit interest rate and other charges, you can refer to the Fees and Charges section on the HDFC Bank website.
BENEFITSWhat is the zero lost card liability feature on the Doctors Superia Credit Card?
The Doctors Superia Credit Card comes with a zero lost card liability feature. If you lose your card, you must report it immediately to the 24-hour HDFC Bank call centre. Once the loss is reported, you have zero liability on any fraudulent transactions made with your card after the reporting. This feature ensures that cardholders are protected from financial losses due to card theft or misuse after reporting.

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