HDFC Titanium Edge Credit Card Review

HDFC Bank, the Indian financial giant, provides a very wide variety of credit card categories for its customers. And the hdfc titanium edge credit card is one of them.   

The HDFC titanium edge credit card is a low-cost credit card designed to be used for everyday expenses. It offers hdfc credit card reward points that can be redeemed into air miles, handsome hdfc fuel surcharge waivers every month, extra benefits on dining, lost card liability coverage, and lots more. More details of the hdfc titanium card are discussed below. 

Who can apply for the hdfc titanium credit card?

  • Resident Type: Indian
  • HDFC credit card eligibility criteria for salaried person:
    • HDFC credit card age limit: 21 to 60 years. 
    • Income: The average income of the applicant should be above Rs. 25,000 monthly. 
  • HDFC credit card eligibility criteria for self-employed person:
    • HDFC credit card age limit: 21 to 65years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
  • A credit score of 750+ is needed to become eligible for a credit card like this.

 Once your credit card application form is submitted successfully you can track the application status of hdfc credit card using your application number from the HDFC credit card tracking page.

What documents are required to get a 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

What are the HDFC titanium credit card fees?

  • Titanium edge hdfc credit card joining fee: You will get to know at the time of application. 
  • HDFC titanium edge credit card annual fee: You will get to know at the time of application.

What are the hdfc titanium credit card benefits?

  • Make every transaction rewarding:

For every Rs.150 spent with this card, this hdfc titanium credit card offers 2 reward points.    

Now you might be thinking, how to redeem reward points in hdfc titanium edge credit card? The options are many, you can redeem hdfc credit card points into air miles and use them for flight bookings, you can also use them to buy a product from the hdfc titanium edge credit card reward points redemption catalogue. The hdfc credit card 1000 reward points value is equal to Rs.10. 

  • Earn extra rewards on dining:

If you use this hdfc titanium credit card to pay your dining bills, you will get 50% more hdfc my rewards points. This hdfc credit card offer is applicable to all the frontline restaurants in India. 

You can check your hdfc bank credit card status of the reward points from your HDFC credit card online statement. Now if you are thinking about how to get credit card online statements then take a look at the 100xGain FAQ page

  • Get freedom from fuel surcharges:

This HDFC titanium credit card offers a complete waiver on fuel surcharges across all fuel stations in India and you can earn a maximum of Rs.250 waiver in a hdfc credit card statement cycle. 

  • Opportunity to make hdfc credit card lifetime free:

On spending Rs.50,000 in a hdfc billing cycle, you will get a complete waiver on your hdfc credit card annual fee

You can make your credit card payment through hdfc netbanking account or by using any credit card payment app like cred app, Paytm, Phone Pe, Google Pay, etc. 

But if you don’t like the hdfc credit card online payment method, then you can pay your credit card bill offline, more about which is discussed on our faq page.

  • Complimentary hdfc lost credit card liability coverage:

On this titanium credit card hdfc bank offers lost card liability coverage. So if you ever lost your card, you just have to report it by calling the hdfc bank credit card customer care contact number and you will no longer be liable for anything bad that may happen to your hdfc credit card account

  • Advanced security arrangements:

This hdfc credit card titanium edge variant comes with the security of the advanced EMV chip. It uses a very strong encryption method to store your hdfc credit card information, which makes your hdfc credit card much more secure than before.

But if you notice something suspicious with your credit card account, then you can temporarily deactivate hdfc credit card account from the android app for hdfc credit card

What are the hdfc bank credit card charges?


Payable amount

HDFC titanium credit card cash withdrawal charges. 2.5% against the transaction amount (min Rs. 500) Check your hdfc titanium edge credit card limit before making a withdrawal.
Finance charges in hdfc credit card 3.6% monthly or 43.2% annually, applicable if your hdfc bank credit card payment is not made in time.
HDFC bank international credit card transaction charge 3.5% against the transaction amount.
HDFC credit card add-on card fee Free for a lifetime.

How to contact the hdfc credit card customer care department?

  • call hdfc credit card customer care number: 1800-266-4332 (Toll-Free) or 022-616-6161
  • Write to the hdfc credit card department email id: 

100xGain Ratings: 


Pros and cons of the hdfc bank titanium edge credit card:



  • This card offers hdfc reward points with every transaction.
  • There is also an annual fee waiver option available.
  • You will not get any entertainment benefits from this HDFC titanium credit card.

Final Opinion:

If you are looking for the best low annual fee credit cards for everyday use, then this card will be a good option for you. This hdfc credit card features some attractive benefits like useful hdfc rewards, annual fee waiver, hdfc credit card fuel surcharge waiver, lost card liability coverage, etc. 

But this titanium edge credit card does not offer cashback and airport lounge access, which can disappoint the regular fliers, otherwise, this card will be a good option for everyday uses. 

Alternative cards of the hdfc titanium credit card: 

  1. HDFC Bank Freedom Credit Card (Best for reward and dining benefits) 
  2. HDFC Platinum Edge Credit Card (Best for reward and dining benefits) 

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