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HDFC Bank Titanium Edge Credit Card

The Titanium Edge Credit Card by HDFC Bank is a reward points-based card which offers rewards for all types of purchases made. Not only so, the credit card comes with a host of other features and benefits based across other categories such as dining, insurance, fuel, etc. The finance charge of the HDFC Bank Titanium Edge Credit Card is 3.49% per month.

Key Highlights of HDFC Titanium Edge Credit Card

Earn Rewards Points (RP) on eligible retail transactions on the HDFC Titanium Edge Credit Card and redeem for cashback, merchandise, or air miles. Also get additional points on dining out.

The card offers the following benefits:

  1. Earn 2 RPs per Rs.150 you spend on retail transactions.
  2. Enjoy additional 50% Rewards Points on dining transactions.
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Features and Benefits of the HDFC Titanium Edge Credit Card

Rewards

  1. Earn 2 RPs on every Rs.150 you spend using the card.
  2. Get 50% additional RPs on dining spends.
  3. Accumulate Rewards Points and redeem for cashback, air miles, and gifts.

Dining

  1. Get additional 50% Rewards Points on your dining transactions.
  2. The additional points are applicable on spends under the Merchant Category Code (MCC) 'Restaurant' and not 'Hotel'.

Insurance

  1. Complimentary Accidental Death Insurance cover of up to Rs.50 lakh.
  2. Complimentary Fire and Burglary cover of up to Rs.2 lakh on purchases above Rs.5,000.
  3. Applicable on making a minimum 4 transactions per month.

Fuel

  1. Get 1% fuel surcharge on transactions of Rs.400 and above.
  2. Get up to Rs.250 in fuel surcharge per month.

Zero liability in case of lost card

  1. Call the bank's call centre (round-the-clock availability) as soon as you discover the loss of your card and you will not be held liable for any fraudulent charges, thereafter.

Transaction security

  1. The card can be used at both, chip-enabled and non-chip enabled point-of-sale (POS) terminals to make transactions.

Interest-free credit

  1. Get a maximum of 50 interest-free credit days on your purchases from the transaction date.
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HDFC Titanium Edge Credit Card Credit Limit

The credit limit that will be issued to you will depend on several factors such as your employment, income, credit score, existing debt obligations, and more. The limit that you are assigned may be different from another individual who has applied for the same card.

Reward Points Benefits

As mentioned earlier, here is the earning rate of Rewards Points on this credit card:

  1. Earn 2 Rewards Points for every Rs.150 you spend on your card. You will not earn RPs for transactions below this amount and on non-retail transactions.
  2. Convert your points to cash back at the rate of 100 RPs = Rs.10 cashback.
  3. You may also redeem your earned points for air miles and gifts from the exclusive rewards catalogue.
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How to Redeem Rewards Points Earned on HDFC Titanium Edge Credit Card

You can redeem your points online or offline as per your convenience. Here's a step-by-step guide on redeeming your Rewards Points:

Online - Via Netbanking

  1. Log into HDFC Credit Card NetBanking account and enter your username and password.
  2. Go to the 'Credit Card' option located on top and click on it.
  3. You have to complete a one-time registration for your credit card by clicking the 'Register New Card' option. The option can be located on the left-hand side on the navigation bar.
  4. Enter your 4-digit card PIN to complete the registration process.
  5. Then, locate 'Redeem Reward Points' on the left-hand side on the navigation bar and click on it. Next, click on the 'Continue' option which will take you to the Online Redemption portal.
  6. On the Online Redemption Homepage, click the 'Redeem Reward Points' option.
  7. Select your 'Points Range' for redemption and then select the 'Item Category' to see the catalogue.
  8. Add the items you wish to redeem to your shopping cart.
  9. Click on 'View Shopping Cart' to see your selected items. Here, you can edit the quantity by using the 'Edit' option.
  10. Read the 'Terms and Conditions' and then check the box to confirm the same.
  11. Click on 'Redeem' to complete the process. You will get a Redemption Order Number. Save this number in case of any future issues.

Important note: The items you wish to redeem will only be sent to the address displayed on the redemption page. If you need to change the delivery address, then you first need to call HDFC credit card customer care and request for an address change before redeeming your points.

Offline - Via Snail Mail/Post

  1. Check your credit card statement or the NetBanking portal for your accrued points.
  2. Choose the reward(s) you wish to redeem from the catalogue and generate the coupon for the same.
  3. Send a post with the receipt of the coupon through the 'Rewards Redemption Coupons' form available on HDFC's website. You will have to download this form, take a print out, fill it, and then post it to the bank to the address mentioned on the form.

Once the bank receives your redemption request, the items will be delivered to your address within 15 business days.

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Fees and Charges for HDFC Titanium Edge Credit Card

Type of Fee

Amount

Interest rate

3.49% p.m. (41.88% p.a.)

Interest-free period

Maximum 50 days

Minimum payment

Rs.200 or 5% of the outstanding balance, the higher of the two

Late payment fee

  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300

Rewards redemption fee

Rs.99 per redemption

Cash advance limit

Maximum 40% of the limit

Replacement card in case of loss/damage

Rs.100

Eligibility for HDFC Titanium Edge Credit Card

Age

The applicant must be at least 18 years old.

Nationality

He or she must be a citizen of India.

Employment status

The applicant must be either salaried or self-employed

Credit Score

The applicants who hold a good credit score have a higher change of being eligible for the card.

How to Apply for HDFC Titanium Edge Credit Card

You will have to visit your nearest HDFC Bank branch to apply for this credit card. You can locate a branch close to you on the bank's website. Remember to take all the necessary documents to successfully apply for the card.

Documents Required for the HDFC Bank Titanium Edge Credit Card

Proof of Address

Identity Proof

Income Proof

Ration Card

Voter ID

Salary Slip

Aadhaar Card

Aadhaar Card

Form 16

Voter ID

Driving License

IT Returns

Passport

-

-

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FAQs on HDFC Titanium Edge Credit Card

  • How long are the Rewards Points valid for on this credit card?

    Your points will be valid for a period of 2 years from the date they are accumulated. For example, if you earned your points in July 2023, then they will be valid until July 2025.

  • If I convert my Rewards Points to cashback, can I use it for future purchases?

    If you have converted your RPs to cashback, then it will be used to offset the future outstanding balance on your card.

  • Will I earn Rewards Points on fuel transactions?

    No. You will not earn any RPs on fuel transactions. You will however get a fuel surcharge waiver of 1% if you spend a minimum of Rs.400 in a transaction. You can earn cashback up to Rs.250 per statement cycle on your fuel transactions.

  • Will I earn Rewards Points on paying my insurance premiums through this credit card?

    Yes. You will earn RPs for paying your insurance premiums using your Titanium Edge Card. However, the maximum points you can earn per transaction is 2,000 points.

  • Is there a minimum number of Rewards Points to be accumulated for redemption?

    Yes. You can only redeem your RPs on accumulating at least 2,500 points.

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