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HDFC Titanium Times Credit Card

DiningShoppingFuel
Welcome offerNot verified from configured sources
Annual fee
₹ 500
Reward rate
2 points per ₹150 on all purchases; 5 points per ₹150 on dining weekdays
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

HDFC Titanium Times Credit Card
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

2 points per ₹150 on all purchases; 5 points per ₹150 on dining weekdays

Points valid for 2 years from accumulation; redemption fee ₹99 per request

Reward currency
Reward Points
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 25% off movie tickets (up to ₹350)

  • Fuel surcharge waiver 1%

  • Welcome gift e‑gift vouchers worth ₹5000

  • Times Prime membership

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.5% of transaction value
Late payment
Varies by overdue amount (₹100 to ₹1300)
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.49% per month (≈40.8% p.a.)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about HDFC Titanium Times Credit Card

Everything you need to know about HDFC Titanium Times Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for HDFC Titanium Times Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for HDFC Titanium Times Credit Card from HDFC Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

HDFC Titanium Times Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.

HDFC Titanium Times Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for HDFC Titanium Times Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.