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HDFC Bank Doctor's Superia Credit Card
Visa
HDFC Bank Doctor's Superia Credit Card
A niche professional-affinity card for doctors, layering a ₹20 lakh professional indemnity cover on top of otherwise ordinary reward rates — the insurance is the real draw, not the points.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1.33%
Card network
Visa
Card tier
Mid
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- 🛡️ Insurance
Professional indemnity insurance cover of up to ₹20 lakh against professional negligence claims
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹250 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 25–65
Benefits
- Professional indemnity insurance cover of up to ₹20 lakh against professional negligence claims
- 1% fuel surcharge waiver, capped at ₹250 per statement cycle
Pros
- + ₹20 lakh professional indemnity cover
- + Bonus rewards on dining
- + Low annual fee for a professional-affinity card
Cons
- − Base reward rate is unremarkable
- − Only worthwhile if you value the indemnity cover