HDFC Bank Titanium Times Card
MyRupaya Ratings
Product Details
Credit Card Name :
HDFC Bank Titanium Times Card
Bank Name :
HDFC Bank
Type :
Rewards Credit Card
Interest Rate :
3.6% per month i.e. 43.2% annually
Eligibility :
For Salaried Indian national
Age: 21 years to 60 years
Net monthly income: Rs 25,000 & above
For Self Employed Indian national
Age: 21 years to 65 years
Annual Income should be Rs 6,00,000 & above
Pros
Welcome benefit: Welcome vouchers worth 5000 across shopping, apparel, dining, and many more categories.
Reward System: Users will earn 2 reward points for every ₹150 spent. 5 reward points for every ₹150 spent on dining spends on weekdays. The value of 1 RP= 0.30 paisa. General cashback rate: 0.4% Weekday dining cashback rate: 1%
Users will be eligible for a complimentary annual Times Prime membership.
Customers will get 25% off on movie tickets booked via BookMyShow.
Extra discount of Rs1500 up to a maximum of 10% of bill.
Up to 20% off on online and offline - shopping, wellness, and hotel stays 2 reward points on every Rs 150 retail spent.
Up to 5% cashback on utility bills/shopping, fuel surcharge waiver benefit available.
Cons
Lower reward points on dining: While the card offers good rewards on online shopping and utility bill payments, the reward rate for dining is lower compared to other similar cards.
Limited entertainment benefits: The maximum discount on dining is capped at Rs. 1500 per transaction, which might not be sufficient for high-value dining experiences.
The complimentary Times Prime membership is only valid for a limited period.
Pros & Cons
Welcome Benefits
Welcome vouchers worth 5000 across shopping, apparel, dining, and many more categories.
Rewards System
Users will earn 2 reward points for every ₹150 spent. 5 reward points for every ₹150 spent on dining spends on weekdays. The value of 1 RP= 0.30 paisa. General cashback rate: 0.4% Weekday dining cashback rate: 1%
International Forex Markup
IFM- 2% on the transaction value
Welcome Benefits and Reward System
Special Features
Users will be eligible for a complimentary annual Times Prime membership.
Eligibility Criteria
For Salaried Indian national
Age: 21 years to 60 years
Net monthly income: Rs 25,000 & above
For Self Employed Indian national
Age: 21 years to 65 years
Annual Income should be Rs 6,00,000 & above
Benefits
Complimentary annual Times Prime membership.
Welcome benefits.
Movie benefits.
Zero lost card liability.
Annual fee waiver.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Go to the HDFC Bank website and click on the "Credit Cards" tab.
Click on the "Titanium Times Card" link.
Click on the "Apply Now" button.
Fill out the application form and submit it.
Here are the documents that you need to submit along with your application form: Proof of identity (e.g., passport, driving license, PAN card) Proof of address (e.g., bank statement, utility bill) Proof of income (e.g., salary slip, tax return)
The processing time for the application is usually 7-10 working days.
Once your application is approved, you will receive the card in the mail within 15-20 working days.
Contact Details
1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808, or
even use WhatsApp to send a message to 707 0022 222.
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome benefit: Welcome vouchers worth 5000 across shopping, apparel, dining, and many more categories.
Reward System: Users will earn 2 reward points for every ₹150 spent. 5 reward points for every ₹150 spent on dining spends on weekdays. The value of 1 RP= 0.30 paisa. General cashback rate: 0.4% Weekday dining cashback rate: 1%
Users will be eligible for a complimentary annual Times Prime membership.
Customers will get 25% off on movie tickets booked via BookMyShow.
Extra discount of Rs1500 up to a maximum of 10% of bill.
Up to 20% off on online and offline - shopping, wellness, and hotel stays 2 reward points on every Rs 150 retail spent.
Up to 5% cashback on utility bills/shopping, fuel surcharge waiver benefit available.
Lower reward points on dining: While the card offers good rewards on online shopping and utility bill payments, the reward rate for dining is lower compared to other similar cards.
Limited entertainment benefits: The maximum discount on dining is capped at Rs. 1500 per transaction, which might not be sufficient for high-value dining experiences.
The complimentary Times Prime membership is only valid for a limited period.
HDFC Bank Titanium Times Credit Card can be a highly rewarding credit card for you if movie and dining spends account for a substantial portion of the total spends on your card’s statement as it offers some of the most rewarding movie and dining benefits, at least as far as entry-level cards are concerned. You also get quite a decent reward rate on other categories of spends as well. Although you don’t get any travel benefits with this card, considering that it is an entry-level offering and comes with a nominal membership fee of just Rs. 500 per annum, it can certainly be considered one of the best cards in the market in the entertainment and dining category.
HDFC Bank Titanium Times Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/Renewal Membership Fees ₹ 500/- plus Applicable Taxes
Cash advance fee: 2.5% or r ₹500 whichever is higher.
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/-
Foreign Currency Transactions Fees: 2%.
Reward Redemption Fees: Rs. 99/-
Fuel Surcharge
1% Fuel Surcharge on fuel transactions. However. that is waived on fuel transactions. (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle).
Billing Cycle
30 Days