HDFC Bank Superia
KeepPriority Pass for ₹1,000, and a point that leaves at seven-tenths of a mile.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 1,000 Reward Points as a welcome benefit — and another 1,000 as a renewal benefit every year
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹8,000 a month
At ₹8,000 a month — ₹96,000 a year — on the everyday mix this card returns ₹1,000 gross (earn ₹1,000) against its ₹1,000 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #759
Why #759 A ₹1,000 card with a complimentary Priority Pass membership and a Reward Point that leaves at 0.7 of an AirMile — the best points-out rate on any withdrawn HDFC card at this price bar Diners Club Miles. Sourcing stopped; a holder should keep it and use the miles.
Superia's Reward Points leave better than most legacy HDFC cards: HDFC publishes "1 Reward Point = 0.7 AirMiles" and routes the conversion through KrisFlyer, which reaches more than twenty international airlines. The alternatives are worse and vaguer — "up to ₹8,000 by converting Reward Points into vouchers for domestic airlines", and a gift catalogue at an unstated rate. Points lapse two years after accumulation, and a closed card's balance survives 30 days for products and vouchers only.
The take
Superia is the best argument in HDFC's withdrawn range that an old card can be worth more than a new one. It costs ₹1,000 and comes with a complimentary Priority Pass membership — a benefit HDFC now reserves for cards several times the price — and its Reward Points convert at 0.7 AirMiles apiece into KrisFlyer, which is the gateway to more than twenty international airlines. Three points per ₹200 at that rate is an effective 1.05%, and premium-restaurant dining earns fifty per cent more. A thousand Reward Points arrive as a welcome benefit and another thousand on every renewal, which returns most of the fee in points before you have spent anything. Two things to be careful about. The Priority Pass is a membership, not a stack of free visits, and HDFC does not publish a complimentary visit count for this card anywhere — a Priority Pass with zero included visits is a discount card, not a lounge pass, so check your own terms before you plan on it. And the fee waiver is genuinely contested: the card's own pages say ₹75,000 of annual spend clears it while the bank's August 2026 Key Fact Statement says ₹1 lakh. We have written the higher number. HDFC has stopped sourcing the card. If you hold it, the conversion rate alone is worth more than the fee.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,000/yr at stake · 5 spend bands
The charge ₹1,000/yr
The waiver ₹1,00,000 of spend in the year before renewal — about ₹8,333 a month — and the renewal fee is not charged.
Break-even ₹8,000 a month — ₹96,000 a year — is where this card's value crosses its fee.
At your spend
₹3,200 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,300 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,600 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹37,800 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹63,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
HDFC Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Complimentary Priority Pass membership on a ₹1,000 card
- 1 Reward Point converts to 0.7 AirMiles, via KrisFlyer and 20+ international airlines
- 3 Reward Points per ₹200, and 50% more on dining at select premium restaurants
- 1,000 Reward Points as a welcome benefit and 1,000 more on every renewal
- Up to ₹8,000 of value converting Reward Points into domestic-airline vouchers
- Up to 50 days of interest-free credit
Watch out
- Withdrawn — HDFC states "Sourcing of this Credit Card has been stopped" and takes no new applications
- HDFC publishes NO complimentary lounge-visit count for this card — the Priority Pass is a membership, and a membership with no free visits only buys you a discount
- The fee waiver is contested: the card's own pages say ₹75,000, the August 2026 Key Fact Statement says ₹1 lakh — we have used ₹1 lakh
- Reward Points lapse two years after they accumulate
- Rent and government payments have earned nothing since 1 January 2023
- The gift catalogue redeems "at the applicable redemption rate", which HDFC does not publish
- The fees page's own FAQ says the card's fees are "NIL", contradicting both the fee block above it and the Key Fact Statement
What these points actually fly
HDFC Reward Points move to Avianca LifeMiles , Air France-KLM Flying Blue , Etihad Guest , United MileagePlus , Air India Maharaja Points , AirAsia Rewards , SpiceJet SpiceClub , Accor Live Limitless (ALL) , Marriott Bonvoy , Club ITC , IHG One Rewards , Radisson Rewards and Wyndham Rewards — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹1,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. HDFC Bank states what the HDFC Bank Superia earns, but has not published which spend categories count toward the fee waiver — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. HDFC prints "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits", and its FAQ adds "We are currently not accepting new applications for the HDFC Bank Superia Airline Credit Card." Existing holders keep the card, the Priority Pass membership and the 0.7-AirMile conversion.
HDFC Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
- 8 Sept 2026Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product
- 1 Sept 2026SmartBuy moves Amazon Pay gift cards to 1X under Insta Deals
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
Every HDFC Bank change we've dated → 37 events since 2001, 23 of them nerfs — worst year 2026.
Verified against HDFC Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Superia product page — the sourcing-stopped notice, the 3-per-₹200 accrual, the 0.7-AirMile conversion, the complimentary Priority Pass membership and the ₹1,000 renewal fee
- official HDFC's 15 May 2026 rewards, fees and charges update — the revised accrual table that sets "Superia" at 3 Reward Points per ₹200
- official HDFC Bank Key Fact Statement cum MITC, Version 4.6 dated August-2026 — Superia at ₹1,000 against a ₹1 lakh waiver, which is not the ₹75,000 the card's own pages advertise
- official Fees and charges — the waiver conditions, and an FAQ that flatly contradicts them by calling the card's fees NIL