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  • HDFC Bank Titanium Edge Credit Card

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    Key Highlights of the 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:

    • Earn 2 RPs per Rs.150 you spend on retail transactions.
    • Enjoy additional 50% Rewards Points on dining transactions.

    Other HDFC Bank Credit Cards

    Features and Benefits of the HDFC Titanium Edge Credit Card

    Rewards
    • Earn 2 RPs on every Rs.150 you spend using the card.
    • Get 50% additional RPs on dining spends.
    • Accumulate Rewards Points and redeem for cashback, air miles, and gifts.
    Dining
    • Get additional 50% Rewards Points on your dining transactions.
    • The additional points are applicable on spends under the Merchant Category Code (MCC) 'Restaurant' and not 'Hotel'.
    Insurance

    Upon making a minimum of 4 transactions every month, enjoy the following insurance benefits:

    • Complimentary Accidental Death Insurance cover of up to Rs.50 lakh.
    • Complimentary Fire and Burglary cover of up to Rs.2 lakh on purchases above Rs.5,000.
    Fuel
    • Get 1% fuel surcharge on transactions of Rs.400 and above.
    • Get up to Rs.250 in fuel surcharge per month.
    Zero liability in case of lost card
    • 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
    • The card can be used at both, chip-enabled and non-chip enabled point-of-sale (POS) terminals to make transactions. At a chip-enabled POS terminal, you have to dip your card, and at a non-chip enabled POS terminal, you have to swipe your card to complete the purchase.
    Interest-free credit
    • Get a maximum of 50 interest-free credit days on your purchases from the transaction date.

    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.

    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.

    Reward Points Benefits

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

    • 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.
    • Convert your points to cash back at the rate of 100 RPs = Rs.10 cashback.
    • You may also redeem your earned points for air miles and gifts from the exclusive rewards catalogue.

    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

    • Log into HDFC Credit Card NetBanking account and enter your username and password.
    • Go to the 'Credit Card' option located on top and click on it.
    • 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.
    • Enter your 4-digit card PIN to complete the registration process.
    • 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.
    • On the Online Redemption Homepage, click the 'Redeem Reward Points' option.
    • Select your 'Points Range' for redemption and then select the 'Item Category' to see the catalogue.
    • Add the items you wish to redeem to your shopping cart.
    • Click on 'View Shopping Cart' to see your selected items. Here, you can edit the quantity by using the 'Edit' option.
    • Read the 'Terms and Conditions' and then check the box to confirm the same.
    • 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 bank credit card customer care and request for an address change before redeeming your points.

    Offline - Via Snail Mail/Post

    • Check your credit card statement or the NetBanking portal for your accrued points.
    • Choose the reward(s) you wish to redeem from the catalogue and generate the coupon for the same.
    • 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.

    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
    • Below Rs.100: No charge
    • Rs.100 - Rs.500: 100
    • Rs.501 - Rs.5,000: Rs.500
    • Rs.5,001 - Rs.10,000: Rs.600
    • Rs.10,001 - Rs.25,000: Rs.800
    • Above Rs.25,000: Rs.950
    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

    To apply for this credit card, you need to meet certain eligibility criteria:

    Salaried employees:
    • Minimum age - 21 years
    • Maximum age - 60 years
    Self-employed individuals:
    • Minimum age - 21 years
    • Maximum age - 65 years

    Documents Required for HDFC Titanium Edge Credit Card

    You will be requested to provide specific documents to verify your eligibility for this card. Such documents include (but are not limited to):

    • Identity proof documents - such as Aadhaar card, PAN card, passport, driving licence, etc.
    • Address proof documents - such as bank statements, utility bills, voter's ID, Aadhaar card, etc.
    • Income documents - such as payslips, income tax return documents, employment letter, etc.

    You may be requested to provide additional documents as per HDFC Bank's discretion.

    HDFC Titanium Edge Credit Card FAQs

    1. 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 2019, then they will be valid until July 2021.

    2. 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.

    3. 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.

    4. 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.

    5. 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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