HDFC Times Titanium Credit Card Review

The hdfc times titanium credit card is very hard to replace when it comes to attractive entertainment benefits at an affordable rate. Targeting the huge Indian customer base, this card offers exclusive deals on movies and shopping, exclusive waiver on fuel surcharges, reward points on every transaction, and lots more. Now let’s have a closer look at the hdfc times credit card benefits and see how much benefit it actually offers.

How can I prove my eligibility for hdfc credit card?

  • Resident Type: Indian
  • For salaried person:
    • Age: Between 21 to 60 years.
    • Income requirement for hdfc credit card application: The average monthly income should be Rs. 25000 or above. 
  • For self-employed person:
    • Age: Between 21 to 65 years. 
    • Income requirement for hdfc credit card application: Annual income should be greater than Rs. 600000
  • A long relationship with the bank. 
  • An excellent credit score (760 or more) is needed to apply for this hdfc times titanium credit card

As you submit your hdfc bank credit card online application, you will get a unique application id. You can use that to track your online hdfc credit card application status. If you don’t know; how to apply for a credit card in hdfc bank? then feel free to visit our FAQ page to know the complete process. 

What documents are required to apply for the hdfc bank times titanium credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

To enhance the security of your card during shipment, all new credit cards are delivered in an inactive state. The users can activate them by generating a new four-digit PIN. You can find more about the hdfc credit card activation process from our HDFC faq page.

What are the hdfc titanium times credit card fees?

  • HDFC credit card first year membership fee: Rs. 500 + GST
  • HDFC titanium times credit card annual fee: Rs. 500 + GST

What are the hdfc titanium credit card benefits?

  • Attractive joining bonus to make a wonderful start for you:

With the hdfc credit card pin activation , you will get an exclusive gift voucher from HDFC bank, as a welcome gift. You can choose your gift voucher among various categories like shopping, dining, wellness, travel, etc.  Click here to see the latest available hdfc credit card voucher at your location.  

  • Earn accelerated hdfc credit card reward points from every transaction:

If you want to earn reward points, then this hdfc times credit card can be helpful for you. 

Transaction amount and type 

Total benefit

Every Rs. 150 spent with this card 2 reward points
Every Rs. 150 spent on dining on weekdays         5 hdfc credit card rewards points     

You will not get any hdfc credit card reward point for wallet top-up, EMI conversion, insurance premium payment, and fuel purchase. 

You can use the earned reward points of hdfc credit card to get a product from the hdfc credit card reward point catalogue . You can also click here for various available hdfc credit card reward points redemption process . The reward points on hdfc credit card are valid for up to 2 years from the date of their accumulation. 

  • Make evenings entertaining with attractive deals on movies:

If you are a movie lover, then this offer is just for you; if you book a movie ticket from BookMyShow using this times titanium card , you will get up to 25% discount on the ticket value, the maximum discount amount is Rs. 350, you can avail this hdfc credit card offer 4 times a month. 

  • Experience deals on shopping like never before:

This hdfc times titanium credit card offers some exclusive offers on shopping and travel. Click here to check the latest offers available for you. 

  • Enjoy freedom from fuel surcharges:

IF you purchase fuel using this times hdfc credit card , you will get a 1% waiver on fuel surcharges. This times credit card hdfc offer is applicable at any fuel station in India. You can earn a maximum waiver of Rs. 250 in a credit cycle. The hdfc credit card transaction amount should be between Rs. 400 and Rs. 5000. The waived-off amount will be reflected in your monthly hdfc bank credit card statement.

  • Earn extra benefits on milestone spending:

If you can spend Rs. 150000 with your times titanium credit card within a year, then the annual fee will be waived off for the next year, and you will be able to use your hdfc credit card with no annual fee for a year. 

  • Make repayments easier with the hdfc titanium times credit card emi facility:

This hdfc bank times credit card features a low-cost EMI facility that allows you to split your high-value transactions into small monthly installments. You can convert your payments into EMI from the hdfc credit card app. Click here for the detailed HDFC credit card terms and conditions

You should check hdfc credit card balance before applying for EMI conversion. Click here to know how to check hdfc credit card balance from your hdfc credit card online banking account. 

  • Complimentary lost card liability coverage to support you:

This hdfc times credit card offers a lost card liability coverage. That means if your card ever gets lost/stolen all you need to do is to report the missing by calling the hdfc credit card toll free no given below, and you will no longer be liable for any fraudulent credit card transactions that happen after the reporting. You can also block hdfc credit card from your hdfc credit card online banking account. 

  • Make life easier with convenient bill payment options:

You can conveniently pay your hdfc credit card bill online from your net banking account or by using any credit card payment app like Cred, Google Pay, Paytm, Phone Pe, etc. But if you don’t like the hdfc credit card online payment options, then click here to know more about the offline methods. 

  • Stay worry-free with the SmartPay:

If you register your card to the hdfc credit card smart pay service, all your utility bills will be paid automatically within their due dates. You can control the SmartPay service from your hdfc credit card online net banking account. You can also check hdfc credit card statement online from there. 

What are the hdfc times titanium credit card charges?


Payable amount

The hdfc credit card cash withdrawal charge 2.5% against the withdrawn amount. (Min Rs. 500). Check your hdfc titanium credit card limit before making a withdrawal
The hdfc credit card finance charges  3.6% monthly or 43.2% annually. Applicable even if the hdfc credit card minimum amount due is paid
Foreign currency conversion charge 3.5% against the transacted amount
The hdfc add on credit card fee Free for a lifetime

If you want to get yourself some add-on cards then, click here to know how to apply for an hdfc bank credit card add-on card.

How to contact the hdfc bank credit card helpline department?

100xGain Ratings: 


Pros and cons of the hdfc times titanium credit card:



  • The hdfc titanium times credit card reward points earning rate is quite good.
  • This hdfc credit card offers a decent cashback on movie tickets.
  • You can earn some good waivers on fuel surcharges.
  • There are no dining benefits on this hdfc titanium times credit card.

Final Opinion:

After analyzing the benefits of the card I can say that the hdfc times titanium credit card is a trimmed down version of the hdfc platinum times credit card . It has some unmatched benefits like; up to 25% discount on movie tickets, shopping benefit, ability to choose your own gift voucher, annual fee waiver, etc. 

This hdfc times credit card has some drawbacks too, the hdfc credit card reward point earning rate is way too low. Also, there are no lounge access benefits or some discounts on online shopping. But the hdfc credit card annual fee of the card is very low and it has some attractive offers on entertainment categories. So if you are looking for benefits on movie tickets and entertainment categories then this times card will not be a bad option for you. Also, if you want to compare some alternative options then feel free to take a look at the alternative cards given below.

Alternative cards of times titanium hdfc credit card: 

  1. Axis bank ace credit card (Best for cashback, lounge access and dining benefits) 
  2. Axis bank signature credit card (Best for reward points, lounge access, and movie benefits) 
  3. HDFC solitaire credit card (Best for shopping and fuel benefits)
  4. HDFC platinum times credit card (Best for reward points, dining, and movie benefits) 

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