What is the forex markup on the HDFC Doctor's Superia Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HDFC Doctor's Superia Credit Card?

Cash advances, fees and charges, rent; transactions below Rs 200

M16S / HDFC Bank / HDFC Doctor's Superia Credit Card

mid · rewards

HDFC Doctor's Superia Credit Card

HDFC BankVisa · MastercardLast checked 31 Oct 2026closed to new applicants

The HDFC Doctor's Superia Credit Card costs Rs 1,000 a year. It earns 3 RP per Rs 200. Accelerated earn: 50% more Reward Points on dining (restaurant MCC only; hotels excluded). The forex markup is 3.5%. Read from the issuer's own documents on 31 Oct 2026.

Annual fee: Rs 1,000+ GST
Fee waived at: —
Base return: —
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 1,000
Annual fee	Rs 1,000
Fee notes	Joining/annual fee Rs 1,000. No spend-based waiver printed on the page.

Rewards

Welcome benefit	1,000 Reward Points on joining; 1,000 Reward Points every year
Reward currency	Reward Points
Base earn	3 RP per Rs 200
Point value	667 RP = 100 airmiles (about 0.15 airmile per RP); catalogue at the 'applicable redemption rate', not printed
Accelerated earn	50% more Reward Points on dining (restaurant MCC only; hotels excluded)
Spends that earn nothing	Cash advances, fees and charges, rent; transactions below Rs 200
Points expiry	2 years from accumulation
Reward notes	base_return_pct not computed: the page gives no rupee value for a point.

Transfers

Ratio	667 RP : 100 airmiles; page says 20+ international airlines and major domestic airlines without naming them

Travel and perks

Lounge conditionsunverified	The page FAQ says the card gives unlimited access to 1,000+ lounges in India, but the benefits section lists no lounge benefit and the same sentence is repeated on other legacy pages; not relied on
Forex markup	3.5%
Fuel surcharge waiver	1% on txns Rs 400-5,000, cap Rs 250 per statement cycle
Other freebies	Professional indemnity cover up to Rs 20 lakh (Rs 4 lakh any one accident, Rs 25,000 deductible)

Charges and eligibility

Interest per month	3.75%
Eligibility	For doctors. Sourcing stopped; existing cardholders keep the benefits (product page)
Fine-print notes	Legacy doctors' card, closed to new applicants. Lounge fields left null for the reason given in lounge_conditions. Network read from the page's reference to Visa/MasterCard merchant codes. The page links to changes effective 15 May 2026 that were not readable. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.

Questions

What is the annual fee of the HDFC Doctor's Superia Credit Card?: Rs 1,000 a year, before GST.
What is the forex markup on the HDFC Doctor's Superia Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Doctor's Superia Credit Card?: Cash advances, fees and charges, rent; transactions below Rs 200