top of page

HDFC Bank Titanium Times Card

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

HDFC Bank Titanium Times Card
Pros
  • Users will be eligible for 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 your bill when you use your HDFC Bank Times Card Credit via PayEazy on Eazydiner. 

  • Up to 20% off on online and offline - shopping, wellness, and hotel stays 2 Reward Points on every Rs 150 retail spent. 

  • Users also get Additional Features- Up to 5% Cashback on Utility Bills/Shopping,  Fuel Surcharge waiver benefit available.  

  • Welcome vouchers as welcome benefit is also available for first-time users.  A smart EMI option is also 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 Benefit: Welcome vouchers worth 5000* across shopping, apparel, dining, and many more categories

Rewards System
  • Reward Points Accrual Earn 2 Reward Points for every ₹150 spent on your card  

  • Earn 5 Reward Points on every ₹150 spent on Dining spends on weekdays (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 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: You will get a complimentary annual Times Prime membership, which offers a host of benefits, such as access to Times Network content, exclusive discounts and offers, and early access to movie tickets. 25% off on movie tickets via BookMyShow: You will get 25% off on movie tickets booked through BookMyShow. The maximum discount per transaction is Rs. 350 and a maximum of 4 tickets can be purchased at this discounted rate per card per month. 

  • Extra discount of Rs 1500- Upto a maximum of 10% of your bill when you use your HDFC Bank Times Card Credit via PayEazy on Eazydiner: You will get an extra discount of Rs. 1500 on your bill when you use your card via PayEazy on Eazydiner. 

  • The maximum discount is 10% of your bill amount. Up to 20% off on online and offline - shopping, wellness and hotel stay: You will get up to 20% off on online and offline purchases made on shopping, wellness, and hotel stays. 

  • The specific merchants and the discount percentage may vary. 

  • 2 Reward Points on every Rs 150 retails spends: You will earn 2 reward points on every Rs. 150 spent on retail purchases. These points can be redeemed for a variety of rewards, such as cashback, gift cards, and travel vouchers. 

  • Weekday Dining Bonanza Reward Points: Earn 5 Reward Points* on every Rs. 150 spent on dining spends on weekdays. 

  • 50 days of interest-free credit: You will get a 50-day interest-free credit period on all your purchases made with the card. 

  • Zero lost card liability: If you lose your card, you are not liable for any fraudulent transactions made with the card. 

  • Annual fees waiver: You can get the annual fees waived off if you spend Rs. 1.5 lakhs or more in a year.

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
HDFC Bank Titanium Times Card

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.

Abhijeet Saxena

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

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

Fees & Charges
bottom of page