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 reward points that can be redeemed into air miles, a fuel surcharge waiver, extra benefits on dining, lost card liability coverage, and lots more. More details of the card are discussed below. 

Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
  • A long relationship with the bank will help you to get this hdfc titanium credit card
  • An excellent credit score (above 760) is needed to become eligible for a credit card like this. 

Required documents 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

Fee:

  • Joining Fee: This Will be calculated at the time of application. 
  • Annual Fee: Will be calculated at the time of application.

HDFC Titanium Credit Card Benefits:

  • Accelerated rewards benefit:

For every Rs. 150 spend with this card, this hdfc titanium credit card offers 2 reward points. These reward points are very useful, 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 or convert them into cash. The hdfc credit card 1000 reward points value is equal to Rs. 10. 

  • Extra rewards on dining:

If you use this card to pay your dining bills, you will get 50% more hdfc my rewards points. This 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

  • Freedom from fuel surcharge:

Use this HDFC titanium credit card to purchase fuel and you will get a complete waiver on fuel surcharges. This offer is applicable at all the fuel stations in India and you can earn a maximum of Rs. 250 waiver in a hdfc credit card statement cycle. 

  • Opportunity to make your card lifetime free:

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

You can make your credit card payment through hdfc netbanking account or by using any credit card payment app. But if you don’t like the hdfc credit card online payement method, then you can pay your credit card bill via cheque. To know how to pay hdfc credit card bill by cheque ? take a look at the 100xGain FAQ page. If you need hdfc credit card IFSC code then you can find it here

  • Lost 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 credit card account. 

  • Automatic bill payment option:

HDFC features an automatic bill payment facility called SmartPay, if you register your HDFC titanium credit card with the SmartPay service, all your utility bills will be paid within their due dates. You can control the SmartPay service from your HDFC credit card online net banking account

  •  Easy application process:

HDFC Bank offers a seamless application process for its customers. You can apply for your desired HDFC bank credit card from the HDFC credit card official website. You can also apply offline from your nearby HDFC Bank branch

Once your application is submitted successfully you can track the application status of hdfc credit card using your application number or the registered mobile number, from the HDFC credit card tracking page

  • Security of the advanced EMV chip:

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 information, which makes your transactions and your credit card account much more secure than before.

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

Charges:

Particulars Payable amount
HDFC titanium credit card cash withdrawal charges If you use your credit card for cash withdrawal you will be charged 2.5% against the transaction amount (min Rs. 500)
Finance Charges 3.6% monthly or 43.2% annually. 
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

HDFC Credit Card Customer Care Contact Details:

  • Call: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc credit card department email id: [email protected] 

100xGain Ratings: 

7/10

Final Opinion:

If you are looking for a low-cost credit card for everyday use, then this card will be a good option for you. This card packs some attractive benefits like reward points, annual fee waiver, fuel surcharge waiver, lost card liability coverage, etc. 

But this 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. 

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: