HDFC Times Titanium Credit Card Review

The hdfc times titanium credit card is one of the popular HDFC entertainment credit cards. It is designed to offer attractive lifestyle and entertainment benefits at a very low cost. This hdfc times titanium credit card also comes with exclusive offers on movies, fuel surcharge waivers, annual fee waivers, and a lot of other useful features like EMI facilities, auto bill payment options, etc. Now let’s have a closer look at the hdfc times credit card benefits and see how much benefit it actually offers. 

Required eligibility for hdfc credit card application:

  • 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

If you don’t know; how to apply for credit card in hdfc bank? then feel free to visit our FAQ page. If your hdfc bank credit card online application is submitted successfully, then you can click here to check your online hdfc credit card application status.

Hdfc credit card required documents for application:

  • 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

If you don’t know; how to activate hdfc credit card for the first time? then click here for the hdfc credit card activation process. 

Hdfc titanium times credit card fees:

  • Hdfc credit card first year membership fee Rs. 500 + GST
  • Annual Fee: Rs. 500 + GST

Hdfc titanium credit card benefits:

  • Attractive welcome gift:

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.  

  • Exclusive hdfc credit card reward points benefit:

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 weekends.  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. 

  • Unique hdfc titanium times credit card offers 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. 

  • Hdfc times titanium credit card offers on shopping:

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

  • Hdfc bank credit card offers on fuel purchase:

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.

  • Extra benefits on milestone spend:

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. 

You can conveniently pay your hdfc credit card bill online, but if you don’t like the hdfc credit card online payment option, then you can pay your hdfc credit card bill offline. You can use the ifsc code for hdfc bank credit card while transferring money from other bank account. 

  • Hdfc titanium times credit card emi facility:

You don’t need to worry about your shopping budget anymore, because with this hdfc bank times credit card you can split your high-value purchases into small monthly installments and pay them back very easily. Click here for the detailed HDFC credit card terms and conditions . You can convert your payments into EMI from the hdfc credit card app

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. 

  • Lost card liability coverage:

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. 

  • Useful auto bill payment facility:

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.

Hdfc times titanium credit card charges:

Particulars  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 apply for an add-on card then, click here to know how to apply for an hdfc bank credit card add on card.

Hdfc bank credit card helpline contact details:

  • Call the hdfc bank credit card helpline number : 1800-266-4332 (Toll-free) or 022-616-6161
  • Hdfc credit card complaint email id: [email protected] 

100xGain Ratings: 

7/10

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 card will not be a bad option for you. You can also take a look at the hdfc platinum times credit card.  

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