HDFC
HDFC Superia Airline Credit Card
This card is no longer offered by bank
This card is no longer sourceable
This card is no longer offered by bank
Top Benefits
Get ₹1,000 Cashback on Shopping
via PayZapp across 200+ brands, capped at ₹1,000
Earn 3 Reward Points
for every ₹150 spent
Best For
Shopping
Dining
Travel
Utility Bills
If you travel frequently and want a dedicated flight rewards card without paying a massive upfront fe...
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If you travel frequently and want a dedicated flight rewards card without paying a massive upfront fe...
If you travel frequently and want a dedicated flight rewards card without paying a massive upfront fee, the HDFC Superia Airline Credit Card gets straight to the point. Most premium travel cards charge anywhere from Rs. 3,000 to Rs. 5,000 just to issue the card. This one comes with a zero joining fee and an incredibly low annual fee of Rs. 1,000, which you can easily waive. The true standout feature here is the complimentary Priority Pass membership with unlimited lounge access for Priority Pass holders, a perk usually reserved for super-premium cards.
This card is designed for regular domestic and international flyers who want to earn points that actually translate into free flights. You earn 3 Reward Points for every Rs. 150 spent, and those points transfer to over 20 international airlines via the KrisFlyer program. You can also redeem them for domestic airline vouchers worth up to Rs. 8,000. If you value airport lounge comfort and air mile flexibility over standard shopping cashback, this card deserves a spot in your wallet.
View FAQ
Commonly Asked Questions
Is the HDFC Superia Airline Credit Card lifetime free?
No, the card is not lifetime free by default. It has a zero joining fee, but an annual renewal fee of Rs. 1000 applies from the second year onwards. You can get this fee waived if you spend Rs. 75,000 in a year.
Who should apply for this credit card?
This card is ideal for frequent travelers who want to earn air miles and get airport lounge access. If you frequently fly internationally and use the KrisFlyer program, or need domestic flight vouchers, you will get great value out of it.
Is this a good first credit card?
Yes, it is a solid option for a first premium travel card because the income requirement is quite reasonable at Rs. 3 Lakhs per year. The zero joining fee also makes it very low-risk for a beginner building a travel rewards strategy.
What makes this card different from standard cashback cards?
Instead of giving you direct statement credits, this card focuses purely on travel perks like unlimited Priority Pass lounge access and KrisFlyer air mile conversions. For example, your points give you much higher value when redeemed for flights compared to buying a mixer grinder from a rewards catalogue.
Expert Review
The HDFC Superia Airline Credit Card is a fascinating product that punches way above its weight class when it comes to travel perks. As an expert reviewing dozens of cards, I am genuinely impressed by the inclusion of unlimited complimentary Priority Pass access on a card with a meager Rs. 1,000 annual fee. Usually, you have to spend upwards of Rs. 10,000 a year on premium metallic cards to get unlimited international lounge access.
The KrisFlyer partnership is another strong point. Singapore Airlines has one of the most robust frequent flyer programs in the world, and being able to funnel points directly into KrisFlyer offers immense value for international travelers. Adding the Rs. 8,000 domestic voucher cap gives it flexibility for those who prefer flying within India.
However, it is not flawless. The core earning rate of 3 points per Rs. 150 is fairly average. If you are not using PayZapp or eating at premium restaurants to grab the 50% bonus, your point accumulation can feel a bit slow. Furthermore, the massive 3.75% monthly interest rate means this card is strictly for those who pay their bills in full every single month. If you carry a balance, the high interest will wipe out any travel rewards you earn.
Ultimately, if you want international lounge access and a direct pipeline to KrisFlyer miles without paying a massive upfront fee, the Superia Airline card is an absolute steal. Just make sure you spend the Rs. 75,000 annually to wipe out the fee and keep the card working for you.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
One of the biggest reasons to choose the HDFC Superia Airline Credit Card is its aggressive fee struc...
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One of the biggest reasons to choose the HDFC Superia Airline Credit Card is its aggressive fee struc...
One of the biggest reasons to choose the HDFC Superia Airline Credit Card is its aggressive fee structure. The card features a joining fee of exactly Rs. 0. You pay absolutely nothing upfront to have the card issued to you. This is a massive advantage compared to other airline co-branded cards that charge thousands of rupees on day one.
From the second year onwards, an annual renewal fee of Rs. 1,000 applies. However, the bank provides a very simple way to avoid paying this. The annual fee is waived completely if you spend Rs. 75,000 or more in a year on your card. To put that in perspective, spending Rs. 75,000 annually is just Rs. 6,250 a month. By routing your basic monthly groceries and utility bills through the card, you will easily hit the target and keep the card essentially free for life.
View FAQ
Commonly Asked Questions
How much is the joining fee for this card?
There is a Rs. 0 joining fee. You do not have to pay any upfront issuance charge when your application is approved and the card is delivered.
What is the annual renewal fee?
The annual fee for the card is Rs. 1,000. This charge is applied to your statement starting from the second year of card membership.
How can I get the annual fee waived?
The annual fee of Rs. 1,000 is waived if you spend Rs. 75,000 or more in the preceding year on your credit card.
Is it difficult to meet the Rs. 75,000 waiver target?
Not at all. A target of Rs. 75,000 in a year breaks down to roughly Rs. 6,250 per month. Paying your utility bills, buying groceries, and occasional online shopping will easily cover this amount.
Do ATM withdrawals count toward the Rs. 75,000 spend target?
Cash advances, annual fee payments, and EMI conversions are excluded from the Rs. 75,000 annual milestone calculation.
If I meet the spend target, do I need to call the bank to waive the fee?
No, the annual fee waiver is typically processed automatically by the system if your total eligible retail spends cross the Rs. 75,000 mark during your anniversary year.
Will I be charged GST on the annual fee?
Yes, if you do not meet the waiver target, the Rs. 1,000 annual fee will attract an 18% GST charge, making the total deduction Rs. 1,180.
Does the Rs. 100 activation transaction count toward my annual spend limit?
Yes, all retail point-of-sale and online transactions, including the first Rs. 100 spent within 30 days to activate the card, contribute to your Rs. 75,000 annual total.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
Getting approved for the HDFC Superia Airline Credit Card is quite straightforward because the bank h...
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Getting approved for the HDFC Superia Airline Credit Card is quite straightforward because the bank h...
Getting approved for the HDFC Superia Airline Credit Card is quite straightforward because the bank has kept the barriers to entry very reasonable. The age requirement for salaried individuals is between 21 and 60 years. If you are a self-employed professional or business owner, you get a slightly wider bracket of 21 to 65 years.
The income criteria are highly accessible. Salaried applicants only need an annual income of Rs. 3 Lakhs. That breaks down to a monthly salary of just Rs. 25,000, meaning almost anyone starting their professional career can qualify. For self-employed individuals, the requirement is an annual income (ITR) of Rs. 4 Lakhs. Whether you work for a company or run your own business, this card accepts both employment types.
Finally, your credit score plays a vital role. You need a minimum CRIF score of 720 to be eligible. If your score is 720 or above, and you have a clean repayment history, your chances of approval are very high.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to apply for this credit card, regardless of whether they are salaried or self-employed.
What is the maximum age limit for applicants?
For salaried individuals, the maximum age limit is 60 years. For self-employed individuals, the bank allows applications up to the age of 65 years.
What is the monthly salary required for this card?
Salaried applicants need an annual income of Rs. 3 Lakhs, which effectively translates to a minimum monthly in-hand salary of Rs. 25,000.
What is the income requirement if I run my own business?
Self-employed individuals and business owners must show an annual income of at least Rs. 4 Lakhs based on their latest Income Tax Returns (ITR).
What credit score is needed for approval?
You need a minimum CRIF or CIBIL score of 720 to meet the credit history criteria for this card. Scores lower than this may lead to rejection.
Can I apply if I have no credit history at all?
Approval requires a minimum score of 720, meaning you need at least six months of active credit history to be eligible for this card.
Is this card available for non-residents or NRIs?
This card is available for resident Indians who meet the stated income and age criteria while filing taxes domestically.
Can a student get this credit card?
It is unlikely unless the student has an active business earning Rs. 4 Lakhs annually, as the card requires proof of salaried or self-employed income.
All Card Benefits
- 3 Reward Points for every ₹150 spent
- 50% more Reward Points on dining spends at select premium restaurants
- Get ₹1,000 cashback on shopping in-app across 200+ brands via PayZapp
- 1,000 Reward Points as renewal benefit every year
Welcome Benefits
The card greets you with a practical welcome bonus to jumpstart your rewards jour...
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Welcome Benefits The card greets you with a practical welcome bonus to jumpstart your rewards jour...
Welcome Benefits
The card greets you with a practical welcome bonus to jumpstart your rewards journey. You receive 1000 Reward Points as a welcome benefit when your card is issued. To actually earn this and activate your reward capabilities, you need to make a minimum transaction of Rs. 100 within the first 30 days. For example, just using the card to pay a Rs. 200 mobile bill in your first week secures your 1000 bonus points.
Reward Points Structure
Your primary earning rate is 3 Reward Points for every Rs. 150 spent on the card. While this might look modest at first glance, the value comes from how you accumulate and use them. You also get additional cashback and Reward Points when you handle utility bills, mobile recharges, and shopping via the PayZapp application. Keeping your points active is important, as unredeemed Reward Points expire after 2 years.
Let us look at a practical example. If you spend Rs. 30,000 on general purchases in a month, you will earn 600 Reward Points. Over a year, that steady spending generates 7,200 points, completely ignoring any bonus categories or PayZapp multipliers. Add in the 1000 welcome points, and you have a healthy balance ready for flight redemption.
Dining Benefits
Eating out is heavily rewarded with the HDFC Superia Airline Credit Card. You earn 50% more Reward Points on dining expenses at select premium restaurants. Instead of the base rate, your food bills work harder for your next flight.
For instance, if you spend Rs. 6,000 on a family dinner at a partner restaurant, the standard earning would be 120 points (3 points per Rs. 150). With the 50% bonus, you receive 180 points for that single meal. Over a year of weekend dining, this bonus significantly boosts your point balance.
Airport Lounge Access
This is arguably the most powerful feature of the card. You receive a complimentary Priority Pass Membership. Even better, you get unlimited complimentary lounge access for Priority Pass holders. This is incredibly rare for a card with an annual fee of just Rs. 1,000.
Normally, a standard Priority Pass visit costs around USD 35 (roughly Rs. 2,900) per entry. If you travel internationally just four times a year and use the lounge before your flights, you are saving over Rs. 11,600 annually. This feature alone justifies getting and keeping the card forever.
Flight Benefits
Because it is an airline card, redemption is highly optimized for travel. You can redeem your Reward Points for domestic airline vouchers up to a value of Rs. 8,000. If you prefer international travel, you can transfer your points to air miles with over 20 international airlines via the KrisFlyer program.
For example, if you accumulate enough points over the year, you can convert them directly into KrisFlyer miles to book a Singapore Airlines flight. Alternatively, you can grab a Rs. 5,000 domestic voucher and wipe out the cost of a round trip from Delhi to Mumbai.
Fuel Surcharge Waiver
While this is a travel card, it still helps with everyday driving. You get a 1% fuel surcharge waiver on transactions with a minimum value of Rs. 400.
If you fill up your tank for Rs. 2,000, you save Rs. 20 on the surcharge fee that petrol pumps normally apply to credit card swipes. Over a year of filling up twice a month, that is roughly Rs. 480 kept in your pocket instead of going toward bank processing fees.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You must make a minimum transaction of Rs. 100 within 30 days of receiving the card. If you fail to do this, your card won't be eligible for the rewards program, and you will miss out on the welcome points.
What is the exact welcome benefit provided?
The card offers 1000 Reward Points as a welcome gift. You can use these points later to redeem against flight bookings, domestic airline vouchers, or air miles.
When will I receive my welcome points?
Your 1000 welcome Reward Points are typically credited to your card account in the billing cycle immediately following your first qualifying transaction of Rs. 100 or more.
Are there any hidden charges to get the welcome bonus?
No, there is no joining fee on this card. Your only requirement is to make a standard everyday purchase of at least Rs. 100 within the first 30 days of card issuance.
How many reward points do I earn on regular spends?
You earn 3 Reward Points for every Rs. 150 you spend on eligible transactions. For example, a purchase of Rs. 1,500 will give you exactly 30 points.
How can I earn bonus reward points?
You can earn extra points and cashback by routing your utility bill payments, mobile recharges, and online shopping through the HDFC PayZapp app using this credit card.
Do my reward points expire?
Yes, unredeemed Reward Points expire after 2 years from the date they are credited to your account. For example, points earned in January 2024 will expire in January 2026 if you do not use them.
Are there any transactions that do not earn points?
Reward points are not earned on wallet top-ups, fuel transactions, or government payments, as these merchant categories are excluded from the rewards program.
Do I get reward points on fuel transactions?
Fuel transactions are ineligible for reward points; instead, you receive a 1% fuel surcharge waiver on all petrol pump spends above Rs. 400.
Do I earn points on EMI conversions?
No reward points are credited for transactions converted into equated monthly installments (EMIs).
How does the PayZapp bonus work?
When you link this card to PayZapp and pay for utilities or shopping, you earn accelerated rewards and cashback. For example, paying a Rs. 2,000 electricity bill via PayZapp gets you a better return than swiping the card directly at the electricity board office.
Is there a limit on how many points I can earn?
Regular spending has no monthly cap, but accelerated bonus categories such as dining or PayZapp transactions may have monthly limits ranging from 2,000 to 5,000 points.
What is the dining reward bonus?
You receive 50% more Reward Points when you dine at select premium restaurants partnered with the bank. This accelerates your point accumulation simply by eating out.
Does the bonus apply to food delivery apps like Swiggy or Zomato?
The 50% dining bonus is restricted to dine-in at partner premium restaurants and does not apply to transactions on online food delivery platforms like Swiggy or Zomato.
How do I find out which restaurants are eligible?
You can check the official HDFC dining portal or app to find the list of select premium restaurants that trigger the 50% extra reward points in your city.
If I spend Rs. 3,000 at a premium restaurant, how many points do I get?
Normally, Rs. 3,000 earns you 60 points. With the 50% bonus at a partner restaurant, you will earn a total of 90 Reward Points for that meal.
Do I get free airport lounge access with this card?
Yes, the card provides a complimentary Priority Pass Membership which gives you unlimited complimentary lounge access as a Priority Pass holder.
Is the lounge access domestic or international?
The Priority Pass network primarily covers international lounges and select domestic terminals. You can use your Priority Pass at thousands of lounges globally.
How many free visits do I get per year?
You receive unlimited complimentary lounge access for Priority Pass holders, meaning there is no annual cap on the number of times you can access eligible lounges.
Can I bring a guest into the lounge for free?
Unlimited access applies specifically to the primary cardholder; bringing a guest will incur a standard usage fee of approximately USD 32 to USD 35 per person.
How do I use my points for international flights?
You can redeem your reward points for air miles with 20+ international airlines through the KrisFlyer loyalty program, allowing you to book award flights globally.
What is the maximum value for domestic flight vouchers?
You can redeem your accumulated Reward Points for domestic airline vouchers up to a maximum value of Rs. 8,000.
What is the point conversion ratio for KrisFlyer miles?
Reward Points convert to KrisFlyer miles at a ratio of 2:1, allowing you to easily calculate the value of your accumulated points for international flight bookings.
Can I book hotels with my points?
Yes, apart from flights, you have the flexibility to redeem your Reward Points for hotel bookings, cashback, or catalogue gifts.
Do I get a fuel surcharge waiver on all petrol pumps?
Yes, the 1% fuel surcharge waiver applies across all petrol pumps in India, regardless of the brand (Indian Oil, HP, Bharat Petroleum).
Is there a minimum amount I need to spend on fuel to get the waiver?
Yes, you need to make a minimum fuel transaction of Rs. 400 to qualify for the 1% surcharge waiver.
Is there a maximum cap on the fuel surcharge waiver?
The 1% fuel surcharge waiver is capped at a maximum of Rs. 250 to Rs. 500 per billing cycle.
What happens if I swipe for Rs. 300 at a petrol pump?
Because the transaction is below the Rs. 400 minimum threshold, you will be charged the standard 1% fuel surcharge fee by the bank, and it will not be waived.
Milestone Benefits
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
N/A
To check redemption catalogue
N/A
The true value of this card is realized when you initiate redemptions. You have multiple avenues, but...
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The true value of this card is realized when you initiate redemptions. You have multiple avenues, but...
The true value of this card is realized when you initiate redemptions. You have multiple avenues, but since this is an airline card, travel redemptions yield the best returns. You can redeem Reward Points for cashback, flights, catalogue gifts, or hotel stays. Most importantly, you can convert points to air miles with 20+ international airlines via KrisFlyer or grab domestic airline vouchers up to Rs. 8,000 in value.
To redeem, you log into the bank's net banking portal or use the SmartBuy rewards catalogue. Simply navigate to the rewards section, check your available balance, and choose your preferred category. The best part? No fee is charged when redeeming reward points on this card. If you convert 10,000 points to KrisFlyer miles or pick a Rs. 2,000 flight voucher, you pay zero processing charges. Just remember, your unredeemed points will expire exactly 2 years from the date of accumulation, so don't hoard them forever.
View FAQ
Commonly Asked Questions
Is there a fee when I redeem my reward points?
No fee is charged when redeeming reward points on this card. You get to use the full value of your points without any hidden processing charges.
How do I transfer points to airline miles?
You need to log into the bank's reward portal, link your KrisFlyer membership number to your credit card account, and initiate a points-to-miles transfer.
Can I just get cashback instead of flight vouchers?
Yes, you can choose to redeem your Reward Points for direct cashback against your statement, though the value per point might be lower compared to flight redemptions.
How quickly do KrisFlyer miles reflect in my account after transfer?
Converting credit card points to KrisFlyer miles is processed within 3 to 7 working days.
What happens if my points expire?
Unredeemed Reward Points expire after 2 years. Once they expire, they are permanently removed from your account and cannot be recovered or redeemed.
Do I need a minimum point balance to make a redemption?
You must have a minimum balance of 500 Reward Points before you can initiate a redemption request via the NetBanking portal or SmartBuy.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
N/A
For Spends Waiver
N/A
Not every swipe you make will generate points. Specific exclusions include transactions that do not g...
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Not every swipe you make will generate points. Specific exclusions include transactions that do not g...
Not every swipe you make will generate points. Specific exclusions include transactions that do not generate merchant interchange revenue for the bank. Standard restrictions apply to wallet loads, fuel, and government payments.
For example, if you load Rs. 10,000 into a digital wallet, you will earn zero Reward Points because wallet loading is universally excluded. Similarly, paying government taxes or converting large purchases into EMIs strips away the reward-earning capability of that specific transaction. Major rent or school fee payments also fall into the excluded category.
View FAQ
Commonly Asked Questions
Will I earn points if I pay my rent with this card?
Rent payments are excluded from the rewards program and attract a processing fee of 1% per transaction.
Do wallet top-ups generate Reward Points?
No, transferring money to digital wallets like Paytm or Amazon Pay does not qualify for any reward points.
If I buy jewelry, do I get the standard 3 points per Rs. 150?
Jewelry and gold purchases are excluded from the standard reward point accumulation rate.
Does paying my life insurance premium earn points?
Insurance premium payments earn points but are subject to a cap of 2,000 Reward Points per transaction.
Do I lose points if I return an item I bought online?
Yes. If you buy a Rs. 3,000 shirt and earn 60 points, but return it for a refund two days later, the bank will reverse those 60 points from your account.
Are government services excluded from earning points?
All payments made to government portals for taxes, challans, or property registrations are excluded from the rewards program.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Interest of 3.6% per month (43.2% annually) is charged if the total amount due is not paid by the due date | 3.60% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% of the transaction amount is applicable on railway ticket bookings made through IRCTC or railway counters | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A cash processing fee of ₹100 is charged for making cash payments towards the credit card outstanding at HDFC Bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹600 |
| ₹10,001–₹25,000 | ₹800 |
| ₹25,001–₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
Understanding the exact costs associated with your credit card helps you avoid unnecessary penalties ...
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Understanding the exact costs associated with your credit card helps you avoid unnecessary penalties ...
Understanding the exact costs associated with your credit card helps you avoid unnecessary penalties and maximize your savings. The HDFC Superia Airline card has a highly competitive fee structure, particularly regarding its upfront costs and reward redemption processes.
Joining Fee: The bank charges a Rs. 0 joining fee for this card. You pay absolutely nothing to have the card issued, making it completely risk-free to acquire.
Annual or Renewal Fee: From the second year, an annual fee of Rs. 1000 applies. This annual fee is waived if you spend Rs. 75,000 or more in a year on your card. For example, if you spend just Rs. 6,250 a month on groceries, the Rs. 1,000 fee is entirely wiped out.
APR or Interest Rate: An interest charge of 3.75 percent per month is applied if the outstanding balance is not paid by the due date. An interest-free period of 20 to 55 days is provided depending on the billing cycle. For example, if you leave Rs. 10,000 unpaid after the due date, you will incur Rs. 375 in interest charges for just that month, plus applicable taxes.
Late Payment Charges: Late payment charges are tiered based on your outstanding balance, ranging from Rs. 100 for small amounts to Rs. 1,300 for balances exceeding Rs. 50,000. Missing a Rs. 5,000 bill attracts a fee of Rs. 600.
Foreign Transaction Fee: A 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. For example, if you spend USD 100 on a foreign website (roughly Rs. 8,400), the bank will add a 3.5% fee of Rs. 294 to your statement.
ATM Cash Withdrawal Fee: 2.5% of the withdrawn amount is charged on cash advances using the credit card, with a minimum fee of Rs. 500. If you withdraw Rs. 10,000 from an ATM, the 2.5% calculation is Rs. 250, but since the minimum is Rs. 500, you will be charged Rs. 500.
Rent Payment Convenience Fee: Rent payments made through third-party applications attract a 1% processing fee on the transaction amount.
Railway Surcharge: Booking train tickets through the IRCTC portal using a credit card attracts a transaction surcharge of 1.8% plus applicable GST.
Cash Payment Fee: Paying your credit card bill with physical cash at an HDFC Bank branch incurs a processing fee of Rs. 100 per transaction.
Cheque Payment Fee: If a cheque you submit for bill payment is returned or dishonored, a penalty fee of Rs. 450 is applied to your card account.
Reward Redemption Fee: No fee is charged when redeeming reward points on this card. If you convert 5,000 points into KrisFlyer miles or pick a flight voucher, you pay exactly Rs. 0 in processing charges.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Fee | Rs. 1,000 (Waived on Rs. 75,000 annual spend) |
| Interest Rate (APR) | 3.75% per month |
| Forex Markup | 3.5% |
| Cash Advance Fee | 2.5% of amount (Min. Rs. 500) |
| Reward Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What are the exact joining costs for this card?
There are no upfront costs. The joining fee is Rs. 0.
What is the annual fee for the Superia Airline card?
The renewal fee is Rs. 1,000 per year.
How do I avoid paying the annual fee?
The annual fee is waived if you spend Rs. 75,000 or more in a year on your card.
If I buy a Rs. 80,000 laptop, is my annual fee waived?
Yes. Since Rs. 80,000 crosses the Rs. 75,000 annual threshold in a single purchase, your renewal fee for the next year will be completely waived.
What is the interest rate if I only pay the minimum due?
An interest charge of 3.75 percent per month is applied if the outstanding balance is not paid by the due date. This makes rolling over debt very expensive.
How long is the interest-free grace period?
An interest-free period of 20 to 55 days is provided depending on when your transaction falls within the billing cycle.
What are the charges for missing a bill payment?
Late payment fees range from Rs. 100 to Rs. 1,300 depending on the amount due, and missing a payment immediately revokes your interest-free period.
What is the forex fee if I use the card in Dubai?
A 3.5% forex markup is charged on transactions made in currencies other than INR. For a Rs. 10,000 equivalent spend in Dubai, you pay Rs. 350 extra.
Can I use this card to withdraw emergency cash?
Yes, but it is costly. 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum Rs. 500), plus interest starts accumulating from day one.
Does the bank charge me to convert my points to air miles?
No, there is zero reward redemption fee. Converting your points to KrisFlyer miles or flight vouchers is completely free of charge.
What happens if my bill payment cheque bounces?
A failed or bounced cheque results in a penalty charge of Rs. 450 plus GST.
Are there extra fees for booking IRCTC train tickets?
IRCTC bookings attract a transaction surcharge of 1.8% plus taxes on the total ticket value.
Is there a fee for paying my bill in cash at the branch?
Yes, paying your bill in cash at an HDFC branch attracts a service fee of Rs. 100 per transaction.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Do I need to upload all these documents during the online application?
If you complete your e-KYC via Aadhaar and Video KYC using your PAN, the bank automatically verifies your identity and address without needing manual uploads.
Is the original PAN card strictly necessary for Video KYC?
Yes, the bank executive on the video call will ask you to hold up your physical, original PAN card to the camera. A photocopy or digital image on another phone will not be accepted.
I am self-employed. Can I submit bank statements instead of ITR?
Self-employed applicants must provide their latest ITR documents to prove the Rs. 4 Lakh minimum annual income requirement.
What if my current address is different from my Aadhaar address?
You will need to provide an alternative valid address proof, such as a rental agreement or utility bill, and you may be required to complete physical KYC instead of Video KYC.
Do I need to sign a physical form?
No, but during the Video KYC call, the executive will ask you to sign on a blank piece of white paper in front of the camera to capture your live signature.
Are photographs required?
No passport-sized photos are required for the digital process. The bank captures your live photograph during the Video KYC call.
Who Should Get This Card?
The Frequent International Flyer: If you take multiple trips abroad each year, the unlimited Priority Pass lounge access is an absolute game-changer. You will easily extract Rs. 15,000+ in lounge value from a card that only costs Rs. 1,000 a year.
The Budget-Conscious Traveler: With zero joining fee and an easily achievable Rs. 75,000 annual spend waiver, this card gives you premium travel perks without the premium price tag. You effectively get a free travel card if you use it for basic monthly expenses.
Who should NOT get this card? If you never fly and prefer straightforward cash in your bank account, skip this. The rewards are heavily tilted toward air miles and flight vouchers. You would be better off with a flat-rate cashback card for everyday shopping.
Credit Limit and What to Expect
The credit limit on your new HDFC Superia Airline card depends entirely on your financial profile, existing debts, and credit history. Because the minimum income required is quite low (Rs. 25,000 per month for salaried employees), starting limits might be modest for younger professionals.
If you earn Rs. 3 Lakhs a year, you might receive an initial limit of Rs. 40,000 to Rs. 50,000. However, if you have a strong CRIF score well above the 720 minimum and a higher income, the bank will sanction a much larger limit. HDFC offers generous limit enhancements if you pay your bills on time and utilize your card regularly over the first six to twelve months.
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Commonly Asked Questions
What is the minimum credit limit I can get on this card?
The minimum credit limit starts at Rs. 25,000 and is assigned based on your specific monthly income and existing debt obligations.
Can I request a higher credit limit right after getting the card?
Banks require a minimum of six months of responsible card usage and updated income proof before approving a request for a credit limit increase.
Does having a high CRIF score guarantee a high credit limit?
While a score above 720 helps with approval, your actual credit limit is primarily calculated using your monthly income and any existing loans or card limits you already hold.
Can I transfer limit from my existing HDFC card to this one?
HDFC allows for a shared consolidated credit limit across multiple cards held by the same user, rather than assigning separate independent limits.
What happens if I spend more than my credit limit?
Exceeding your credit limit results in an over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500), or the transaction will be declined at the point of sale.
Will checking my credit limit impact my credit score?
No, checking your assigned credit limit in the bank's mobile app or net banking portal has absolutely zero impact on your CIBIL or CRIF score.
How to Apply?
Applying for the HDFC Superia Airline Credit Card is a fully digital process designed to save you time. You can initiate the application through the official bank portal or secure partner platforms. First, you will need to fill in your basic details, including your PAN number, employment type, and monthly income, to verify your initial eligibility.
Once the system pre-approves your profile based on the Rs. 3 Lakh or Rs. 4 Lakh income criteria, you proceed to the Video KYC phase. This step requires a stable internet connection, your physical PAN card, and a blank piece of paper for a live signature. The bank agent will verify your identity over a quick video call. After a successful Video KYC, your application moves to final processing, and the physical card is dispatched to your registered address.
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Commonly Asked Questions
Can I apply for this card entirely online?
Yes, the entire application process, including identity verification via Video KYC, can be completed online from your smartphone or computer.
Do I have to visit an HDFC branch to submit physical documents?
No, if you successfully complete the Video KYC process, you do not need to submit physical paperwork or visit a branch office.
What happens if my Video KYC gets disconnected?
If your internet drops, the bank will send you a link to restart or resume the Video KYC process. If it fails multiple times, an executive may visit your home for physical verification.
How long does it take to get the card after applying?
Following a successful Video KYC, the application is approved within 3 to 5 working days, and the physical card is delivered to your address within 7 to 10 days.
Can I track my credit card application?
Yes, you will receive an Application Reference Number via SMS and email, which you can use on the bank's tracking portal to check the real-time status of your card.
Will applying for this card reduce my credit score?
When you submit the final application, the bank makes a hard inquiry on your credit report, which may cause a temporary drop of a few points, which is standard for any new credit application.
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get ₹1,000 Cashback on Shopping
via PayZapp across 200+ brands, capped at ₹1,000
Earn 3 Reward Points
for every ₹150 spent
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