HDFC Superia Airline Credit Card

About HDFC Superia Airline Credit Card

Are you tired of spending thousands on domestic flights without getting anything in return? The HDFC Superia Airline Credit Card is designed to change that. Imagine earning your next vacation just by paying for your regular dinners and monthly bills.

This card offers a solid pathway to free travel by focusing on reward points that actually matter. For every ₹150 you spend, you get 3 reward points. But the real value comes when you eat out, as the card grants 50% more points at select premium restaurants. Whether you are a young professional starting your career or a frequent traveler, this card helps you turn your daily expenses into airline vouchers worth up to ₹8,000.

Built for salaried individuals earning at least ₹24,999 per month, this card makes premium travel perks accessible. It bridges the gap between basic entry-level cards and expensive luxury cards by offering high-end features like unlimited lounge access without the heavy price tag.

What sets it apart:

• Travel Power: Convert your points into AirMiles with over 20 international airlines through KrisFlyer, something usually reserved for much more expensive cards.
• Dining Boost: Get 4.5 points instead of 3 for every ₹150 spent at premium dining outlets, making it a great companion for food lovers.
• Accessible Luxury: Unlike many competitors that require massive incomes, you can access these travel benefits with an annual income of just ₹3 Lakhs.

Quick check: To qualify, you will need to be between 21 and 60 years old (for salaried) and have a credit score of at least 720. Let's look at why this might be the best travel tool for your wallet.

Key Benefits and Features of HDFC Superia Airline Credit Card

The HDFC Superia Airline Credit Card is not just about flying; it is a lifestyle tool that rewards you for how you live and eat. Here is a breakdown of the core benefits:

Welcome and Milestone Rewards

The savings start the moment you get the card. You receive 1,000 Reward Points as a welcome benefit to kickstart your collection. Additionally, if you use the PayZapp app for shopping across more than 200 brands, you can get ₹1,000 cashback. These initial perks effectively offset the cost of the card in the first year.

The Reward Point Engine

The reward structure is simple and effective. You earn 3 Reward Points for every ₹150 you spend on almost everything. This straightforward approach means you do not have to keep track of complicated categories. However, the card rewards you extra for dining out. When you visit select premium restaurants, you get 50% more points. This means for every ₹150 spent on dining, you effectively earn 4.5 points.

Travel and Airline Benefits

As the name suggests, the HDFC Superia Airline Credit Card excels in the travel department. You can redeem your accumulated points for domestic airline vouchers, with a total value potential of up to ₹8,000. For those who look toward international horizons, the card allows you to convert points into AirMiles with over 20 international airlines via the KrisFlyer program. This flexibility is rare for a card in this fee bracket.

Airport Lounge Access

Frequent airport visits become much more comfortable with this card. It comes with a complimentary Priority Pass Membership. What makes this card special is that it offers unlimited complimentary lounge access for Priority Pass holders. While most cards limit you to 4 or 8 visits a year, this feature ensures you have a quiet place to sit and enjoy snacks regardless of how often you fly.

Fees and Annual Waiver

Understanding the cost of your card is vital for smart financial planning. The annual fee for the HDFC Superia Airline Credit Card is ₹1,000. However, the bank provides an easy way to make this card virtually free. If you spend ₹75,000 or more in a year, the annual fee is waived. This averages out to just ₹6,250 a month, a target that is easily achievable for most active cardholders. Joining fees typically match the annual fee structure, often billed in the first statement unless a specific acquisition offer applies.

Additional Savings

To help you save on the road, the card provides a 1% fuel surcharge waiver. This applies to all fuel transactions of at least ₹400. It is a simple way to keep your transport costs down while you earn points on other spends.

How to Apply for HDFC Superia Airline Credit Card

The application process is designed to be straightforward. Follow these steps to get your card:

1. Check Your Eligibility: Before starting, ensure you meet the minimum monthly income requirement of ₹24,999 if you are salaried.
2. Verify Credit Score: Having a credit score (CRIF) of 720 or higher is essential for a smooth approval process.
3. Visit the Official Portal: Go to the HDFC Bank website or use the mobile app to find the Superia Credit Card section.
4. Fill the Form: Enter your personal details, employment type, and contact information accurately.
5. Upload Documents: You will be asked to provide proof of identity and income.
6. Verification Call: A bank representative may call you to verify the details or schedule a physical document pickup if required.
7. Card Issuance: Once approved, the card is usually dispatched within 7 to 10 working days. You can track your application status online, and dispatch details are communicated via SMS immediately upon approval.

Documents Required for HDFC Superia Airline Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. Most cardholders receive an initial limit between ₹50,000 and ₹3,00,000 depending on their financial profile. Generally, banks look at your debt-to-income ratio and your past repayment history to decide the maximum amount you can spend. A higher CRIF score often results in a more generous limit. If you use your card responsibly and pay your bills on time, you may become eligible for a limit increase after 6 to 12 months of usage.

Comparison Table: HDFC Superia vs. Competitors

To help you decide, we have compared the HDFC Superia Airline Credit Card with other popular travel and lifestyle cards in the same segment.

The HDFC Superia stands out as the winner for travelers who value lounge comfort above all else, offering unlimited access which is unheard of at a ₹1,000 price point. While the Axis Vistara is better for loyalists of a single airline, the Superia provides more flexibility through the KrisFlyer network and a much lower annual fee waiver threshold of just ₹75,000.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the HDFC Superia Airline Credit Card:

The Savvy Domestic Traveler: If you are a professional earning ₹30,000 a month and you fly between Indian metros for work or family, this card is a perfect match. By spending around ₹15,000 monthly on travel, dining, and utilities, you will easily hit the ₹75,000 annual waiver, making the card free. Plus, the unlimited Priority Pass access ensures you never have to wait at a crowded gate again.

The Premium Diner: If you enjoy eating out at high-end restaurants and spend about ₹5,000 to ₹8,000 monthly on dining, this card works hard for you. With 50% more points on premium dining, you are essentially getting a 3% value-back on your meals, which you can then use to fund your next flight.

The First-Time Travel Card User: If you want to enter the world of AirMiles and KrisFlyer without paying the ₹5,000 fees associated with "Gold" or "Platinum" cards, this is your best entry point. It offers a sophisticated reward system that is simple to understand and easy to maximize.

You might want to skip this card if:

• You prefer direct cashback over travel vouchers or AirMiles.
• Your monthly spending is very low (under ₹5,000), making it hard to reach the fee waiver.
• You rarely fly and would prefer movie or grocery-specific rewards.

BankKaro Expert Review

Based on the card's features, the HDFC Superia Airline Credit Card excels at providing high-end travel perks to the mid-income segment. In my experience reviewing financial products, it is very rare to see unlimited Priority Pass lounge access on a card with a ₹1,000 annual fee. This feature alone makes the card incredibly valuable for anyone who spends a lot of time in airports.

The biggest limitation is the lack of specific railway or movie benefits. If you are someone who travels primarily by train or spends a lot on entertainment, you might find the rewards a bit one-dimensional. Also, the welcome bonus of 1,000 points is somewhat modest compared to the higher-fee cards that offer free flight tickets upfront.

Our verdict: Choose this card if you want a low-cost travel companion that offers premium lounge access and a flexible way to earn international AirMiles. It is one of the most balanced cards for those who want to travel better without spending more on fees. It hits the sweet spot between affordability and luxury.

Terms and Conditions

Please take note of these specific terms for the HDFC Superia Airline Credit Card:

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
• Complete terms and conditions regarding interest rates, late fees, and usage policies are detailed in the Most Important Terms and Conditions (MITC) document provided with your welcome kit.