Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Jet Airways may not be functioning right now, but this isn't a reason to get rid of your JetPrivilege HDFC Bank Titanium Credit Card.
Why?
Well, for the simple reason that Jet Airways' frequent flyer programme, JetPrivilege is a separate entity from Jet Airways and is managed by the Etihad Aviation Group.
So, rest assured, the benefits you get when you use your JetPrivilege HDFC Bank Titanium Credit Card are quite a few.
Wondering what exactly you get with this card? Here it is:
JPMiles Accrual
Renewal Fee Waiver
Spend Rs.1.5 lakh in the year prior to renewing your card membership and your renewal fee of Rs.500 will be reduced to Rs.0.
Fuel Surcharge Waiver
Enjoy a fuel surcharge waiver up to Rs.250 per statement period when you use your JetPrivilege HDFC Bank Titanium Credit Card to fill up at fuel stations.
Do note that GST charged on fuel transactions are not refundable.
Save up to Rs.2,5000 Annually
Thanks to the miles that you accrue and the fuel surcharge waiver that you enjoy, you can save up to Rs.2,500 annually.
Insurance Coverage
Make a minimum of 4 transactions worth Rs.100 or more in a calendar month and get:
Buy a product for Rs.5,000 or more and enjoy purchase protection for fire and burglary insurance. The coverage amount is:
Get Cards for All Members of Your Family
You can get up to three add-on cards for other members of your family so that they too can own a JetPrivilege HDFC Bank Titanium Credit Card.
Note: All JPMiles earned by the secondary cardholder on retail transactions will be transferred to the primary cardholder. Additionally, all credit card features apply only to the primary cardholder.
Zero Liability
If you happen to lose your card or you discover that it has been stolen, report the loss of your card by calling HDFC's customer care centre. Once you report the loss of your card, you will not be held liable for any unauthorised or fraudulent transactions.
The credit limit on your card is the amount of total credit that the bank extends to you. As such, you can only make transactions up to the credit limit on your card without incurring any penalty.
The credit limit on your card will be intimated to you by the bank either when your application is approved or when you receive your card.
The factors involved in determining the credit limit on your card include your income, your current debts (if any), your repayment history, your employment status, and, of course, your credit score. Since these factors differ from person to person, there could be a chance that the credit limit on your card is different from the credit limit on another person's card.
With your JetPrivilege Credit Card, you can enjoy the following deals and offers:
With the JetPrivilege HDFC Bank Titanium Credit Card, you earn JPMiles on all your transactions.
As mentioned earlier, for every Rs.150 that you spend on eligible retail transactions, you earn:
The other way to earn JPMiles is to make transactions via the JetPrivilege website. Your flight bookings, hotel stays, dining reservations, and shopping will earn your JPMiles at varying rates when you make these transactions on JetPrivilege.
Apart from redeeming the miles you have earned for flight tickets, there are a number of other redemption options available as well. Here's how you can redeem your JPMiles:
To redeem your JPMiles, you will have to:
| Type of Charge | Amount |
|---|---|
| Joining fee (first-year fee) | Rs.500 + applicable taxes |
| Annual fee (second-year onwards) | Rs.500 + applicable taxes |
| Interest rate | 3.49% per month (41.88% p.a.) |
| Default interest rate | 3.5% per month (42% p.a.) |
| Minimum repayment | 5% or Rs.200, whichever is higher |
| Late payment fee | Less than Rs.100: Nil Rs.100 to Rs.500: Rs.100 Rs.501 to Rs.5,000: Rs.500 Rs.5,001 to Rs.10,000: Rs.600 Rs.10,001 to Rs.25,000: Rs.800 More than Rs.25,000: Rs.950 |
| Cash advance limit | 40% of the credit limit on your card |
| Cash advance fee | 2.5% of the amount, subject to a minimum of Rs.500 |
| Over limit charge | 2.5% of the amount over limit, subject to a minimum of Rs.500 |
| Foreign currency transactions | 3.5% of the transaction amount |
| Reissue of lost, stolen, or damaged card | Rs.100 |
The eligibility criteria for this card are:
Salaried Applicants
Self-employed Applicants
For other eligibility criteria, please contact the bank.
A representative from the bank will let you know what documents are required at the time of application. In general, however, these are the documents that may be required:
These documents are only indicative. For a complete list of documents required, please contact the bank.
You can apply for the JetPrivilege HDFC Bank Titanium Credit Card on HDFC Bank's website. All you need to do is provide the required information. Once this is done, a representative of the bank will go through the information provided and may contact you if they require more details.
Yes, there is a welcome benefit of a discount voucher worth Rs.750 on a return Jet Airways ticket. But seeing that all Jet flights have been grounded, there is no information regarding whether or not this welcome benefit will be changed.
All JPMiles earned before 30 June 2018 are valid for 5 years from the date on which they were first earned. All subsequent JPMiles earned post this date do not expire as long as you have completed one eligible activity in the last 18 months.
Yes, you can use your JetPrivilege HDFC Bank Titanium Credit Card to make insurance transactions. However, do note that the JPMIles you earn will be capped at 2,000 JPMiles per transaction.
You enjoy an interest-free period of up to 50 days with this card.
All JPMiles you earn are periodically transferred to the frequent flyer account that you have provided.
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