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HDFC Bank Titanium Edge Credit Card

It offers a competitive rewards program, fuel surcharge waiver, and a range of safety and convenience features.

    Reward points: Earn 2 reward points for every ₹150 spent on retail transactions. Earn 50% more reward points as exclusive dining privileges. Redeem your reward points for cash back, merchandise, or air miles.
    Fuel surcharge waiver: Enjoy 100% fuel surcharge waiver on all fuel transactions. There is a maximum waiver of ₹250 per month.
    Annual fee waiver: Get your annual fee waived if you spend Rs. 50,000 in a year.
    International benefits:
    Get 1% cashback on all international transactions (up to Rs. 1,000/- per statement cycle).
    Get 500 bonus reward points on your first international transaction (once in a year).
    Get a Rs. 2,000 Yatra voucher once you accumulate international spends of Rs. 1,50,000/- in a year (once in a year).
    Safety: Protect yourself against fraud with the EMV Chip technology in your card.
    Credit: Avail of 50 days of interest-free period from the date of purchase (subject to the submission of the charge by the Merchant).
    Bill Value program: Enroll for the Bill Value program and pay your mobile, telephone, electricity, and insurance bills with your HDFC Bank Titanium Edge Credit Card to enjoy amazing cash back and reward points offers.
    Online account access: Manage your account online or through the HDFC Bank mobile app.
    24/7 customer service: Get help with your account 24 hours a day, 7 days a week.
    Fraud protection: Your card is protected against fraud and unauthorized transactions.

Earn 50% more reward points as exclusive dining privileges

Enjoy savings of up to ₹ 250 every billing cycle with a 100% fuel surcharge waiver

Get zero liability on lost card if reported immediately

  • Welcome benefit- None 

  • Reward System- 2 Reward Points on every spend of Rs. 150. Earn 1 RP for every INR 100 Spent. (1RP = Rs. 0.30)  Effective Cashback Rate = 0.2%

  • Billing Cycle- 30 Days 

  • Interest Rate- 3.49% p.m

  • Special feature- None 

  • Credit Card Type- Regular Credit Card 

The verdict

    Overall, the HDFC Bank Titanium Edge Credit Card is a suitable option for individuals seeking a balance between rewards, savings, and convenience. It offers a competitive rewards program, fuel surcharge waiver, and a range of safety and convenience features. However, the card is very basic and one should check other cards available in the market before investing in this card.

Rating

average rating is 3.5 out of 5

How to get

  • Visit the HDFC Bank website and click on the "Credit Cards" tab. 

  • Select the "Titanium Edge Credit Card" and click on "Apply Now". 

  • Fill in the online application form with your personal and financial details. 

  • Review your application and click on "Submit".  

  • Documents required:  KYC documents (PAN card, Aadhaar card, etc.) Income proof (salary slips, bank statements, etc.) Address proof (utility bills, passport, etc.) 

  • Once you have submitted your application, HDFC Bank will process it and get back to you within a few business days. 

  • If your application is approved, you will receive your credit card in the mail within a few weeks.

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Review by

Abhijeet Saxena

About the Expert

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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