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.
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.
Latest Offers on HDFC Titanium Edge Credit Card
Qatar Airways - Get instant discount of 10% on flight tickets and additional 100% Q Miles upon using the promo code QRHDFC01. Valid until 30 September 2019.
Accor Plus - Enjoy a 10% discount on the Accor Plus Combo Membership. Accor Plus is a travel, lifestyle, and dining program in Asia Pacific. Valid until 31 December 2019.
Pepperfry - Get a discount of up to Rs.5,000 on purchasing furniture. Valid until 30 September 2019.
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 your 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's 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.
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.
HDFC Titanium Edge Credit Card FAQs
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.
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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The Credit card service is poor with HDFC bank and I am not satisfied with their credit limit. The customer support is not up to the mark with the HDFC bank credit card department. The HDFC executives are not customer friendly and they haven't have the product knowledge .
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GAURAV GOPAL PATIL
, pune
Reviewed on Dec 08, 2017
I made a complaint with HDFC credit card department, but I never got any response from the HDFC bank credit card department customer support. The response part need to be improved with HDFC credit card services. I am having the HDFC bank Titanium edge credit card for past 3 years. I am satisfied with the credit limit.
At present I am using HDFC Platinum edge credit card. Limit offered on this card is 50k.The major drawback with HDFC they put hidden charges and they don't have good offers in this card.Customer service is fair enough and I have not faced any issues with them.
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0
VISHWANATH MUTTAPPA DODDANNAVAR
, hospet
Reviewed on Mar 08, 2017
I would certainly say that the executives of HDFC Bank is very good. I am holding this HDFC Bank credit card for about more than 6 to 8 years. No annual charges are applicable it would be great if they en chance the limit as they were in need of documents like salary slip etc for limit enhancement. Had they increased the limit without asking documents I would have been happy. Name of the HDFC Ban credit card is Titanium Edge,
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1
VIJAICHANDER MOHAN
, chennai
Reviewed on Jan 04, 2017
HDFC Bank is very nice and they give excellent service offered to the customer.They provide more unique features .There is ins-ta loans and jumbo loans offers through the card.Its easy for making EMI conversion through the card.The cash back offers available in electronic purchase are good in this Titanium edge card
When compared to other credit cards, HDFC Titanium Edge card provides more rewards on e commerce websites. Annual fee for this credit card is Rs 500 and I never faced issues in accessing the card in outlets.It would be nice if they provide more limit on the card.
For the past 2 years, I am having the Titanium Edge credit card with HDFC bank. The card is loaded with lot of benefits. Annual fee levied on the card is Rs 540 and it would be nice if they waive off the annual fee for the card. Adding to that, I would suggest them to increase the credit limit.
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1
VANEKAR SUHAIL AHMED
, chennai
Reviewed on May 20, 2016
Since two years i am using the hdfc bank titanium edge. Credit limit offered is good and satisfactory. They are given 40 days interest free period. Billing cycle is good and statement is good. Emi facility is given on the purchase. There is no annul fee on the card.
I have hdfc bank titanium edge credit card. They give reward points and cash back offers on the purchase. If we spend the minimum amount of Rs.30,000 on the card in a year the annul fee will be waived off. Emi facility is given on the card purchase. Once i have done the payment but they keep on send the reminder if they have the correct update in the system it will be good.
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0
ASHOK KUMAR KOTHAPALLI
, bangalore
Reviewed on Apr 13, 2016
There is good service provided by HDFC Bank.They provide bills payment dates in a convenient manner for the customer.The credit limit offered was good.They have particular timing for the increase made in the card.I do have a Titanium edge card with HDFC Bank.
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0
MOHAN MUNISAMY
, coimbatore
Reviewed on Apr 01, 2016
The process was good with HDFC Bank related to the credit card.The rewards options available was not that good like CITI Bank.The customer service provided by HDFC Bank was good enough related to the credit card. I had a Titanium Edge card with HDFC Bank.
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0
PRAVEENKUMAR POOJARY
, mumbai
Reviewed on Mar 28, 2016
HDFC bank is well beyond in the credit cards service. The website interface is very simplified and abstracted. The offers on the titanium edge credit card are very good and also very particle. Interest rate is less. If they charge it been vale add service and also justified..
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0
PARIKSHIT SONI
, faridabad
Reviewed on Mar 28, 2016
The service provided was good with HDFC Bank related to the credit card service.I like the service because its free card.No annual fee applied in the card.the rewards points in the card was good.they have taken very minimal time for process.I do have a titanium edge card with HDFC Bank.
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0
JOHN JEFFRY MENDEZ
, bangalore
Reviewed on Mar 12, 2016
I am having the Titanium Edge card with HDFC bank. Though I completely used my credit limit, they never revised the credit limit on the card. Generally the credit cards are wiping off the future earnings of anyone and I will never recommend the card to anyone.
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ANAND ARAVAMUDHAN
, chennai
Reviewed on Mar 10, 2016
I am benefited by getting the surcharge waived on making fuel purchase using the card. For the past 7 years, I am having the Titanium Edge credit card with HDFC bank. I accepted the credit limit enhancement once but they suggested for that multiple times.
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0
NAGARJUNA CHAITANYA
, bangalore
Reviewed on Mar 08, 2016
In the past 6 years of having the Titanium Edge credit card, HDFC bank revised the credit limit around 2 times on the card. And the credit limit is sufficient as per my requirement at this time. I would like to recommend the card to my friends as they are providing good services to the customers.
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KANNAN SHANMUGAM
, chennai
Reviewed on Mar 03, 2016
Benefits available on the card is pretty good when compared to other cards. For the past 3 years, I am having the titanium Edge card with them. HDFC bank increased the credit limit only once on the card. Even though the credit limit is not sufficient, I can manage with that.
The service provided was quite good with HDFC Bank related to the credit card process.They have given offers on the rewards points in the card.I do have a Titanium edge card with HDFC Bank.The credit limit offered was quite good with HDFC Bank.
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0
BALA KRISHNAN
, bangalore
Reviewed on Mar 01, 2016
Easy to get the cash on loan on the hdfc credit card with a very less interest rate compared to the vehicle loan . They have good cash back offers at the retail and online shopping. Annul fee is applicable for the titanium edge credit card for which i closed the card.
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0
BALAJI PUGAZHENDHI
, chennai
Reviewed on Feb 24, 2016
Wonder full bank and their customer service.
I have applied for credit card and it as bren dispatched in couple of weeks.
I was easily track the status of the card application.
Card wwhich had lot of features like cash back which I ended up redeeming alot with it
