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▾HDFC Doctor's SuperSaver Credit Card Review
Best for: Practising doctors — MBBS, MD, specialists — who spend regularly on medical equipment, conferences, and clinic consumables.
- Medical association fees and conference registrations earn 10×
- Dining and online 3×
- Welcome benefit includes medical-indemnity insurance discount voucher
- Spend-based fee waiver at ₹1.5L
- 4 lounges/year on a ₹1K card
- Narrow accelerator categories
- Non-doctors get no unique value
- Requires medical council registration proof
- Forex 3.5%
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹1,000 + GST |
| Renewal fee | ₹1,000 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Base 3 RP per ₹150 (2% headline). Medical conferences, association fees, medical equipment purchases earn 10× (6.6% effective). Dining and online retail earn 3× (2% effective). Redeem at 1 point = ₹0.50 cash or ₹1 on SmartBuy.
Key benefits
- 4 domestic lounges/year
- 10× on medical-category spends
- Free indemnity insurance consultation via partner
- 1% fuel surcharge waiver
- Invite to HDFC Doctors' Panel (priority banking services)
Who the HDFC Doctor's SuperSaver is for
Practising doctors with MCI/state council registration. The conference/equipment accelerator nets ₹3-5K/year for most specialists. Non-doctors should pick Regalia Gold or Diners Privilege instead.
Final verdict
A narrow but well-targeted profession card. If you attend 2+ medical conferences a year and buy consumables via card, the accelerated earn covers the fee several times over.
FAQ
What documents prove doctor status?
Valid MCI or State Medical Council registration certificate, current affiliation proof (clinic/hospital).
Do dentists and AYUSH practitioners qualify?
Dentists yes (DCI registration). AYUSH practitioners: check with HDFC — policy varies.
Does medical equipment from Amazon/Flipkart qualify?
General e-commerce spends earn 3× (online). Purchases from recognised medical-supply merchants earn 10×.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.