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  • JetPrivilege HDFC Bank Titanium Credit Card

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  • Key Highlights of the JetPrivilege HDFC Bank Titanium Credit Card

    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:

    • Get 2 JPMiles for every Rs,150 you spend on eligible retail transactions.
    • Enjoy savings of up to Rs.2,500 each year on air tickets and fuel transactions.

    Features and Benefits of This Card

    JPMiles Accrual

    • Earn 2 JPMiles for every Rs.150 that you spend. Do note that miles will be accrued only on eligible transactions. Moreover, any transaction converted into monthly instalments will not earn any JPMiles.

    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:

    • Up to Rs.50 lakh complimentary accidental death insurance.

    Buy a product for Rs.5,000 or more and enjoy purchase protection for fire and burglary insurance. The coverage amount is:

    • Rs.25,000 per item for personal portable equipment.
    • Up to Rs.2 lakh for all other assets.

    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.

    JetPrivilege HDFC Bank Titanium Credit Card Limit

    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.

    Latest Offers on Your JetPrivilege HDFC Bank Titanium Credit Card

    With your JetPrivilege Credit Card, you can enjoy the following deals and offers:

    • 10% discount on bookings made on Isprava Villas. You can enjoy a maximum discount of Rs.1,96,000 (valid until 1 March 2020).
    • Up to 5% off on furniture purchases made on Pepperfry's website (valid until 30 September 2019).
    • Enjoy discounts up to 40% at selected restaurants in India, courtesy of HDFC.

    Reward Point Benefits

    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:

    • 2 JPMiles per Rs.150.

    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.

    How to Redeem JPMiles Earned

    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:

    • You can redeem the miles you have earned for a free flight ticket from partnering domestic and international airlines. Domestic partners include AirAsia, SpiceJet, GoAir, Air India, and Indigo. International partner airlines include Etihad Airways, Emirates Airlines, and Air India among others.
    • JPMiles can also be redeemed for hotel stays. You can choose from a number of hotels located in various cities across the world.
    • You can redeem miles for retail, lifestyle, and entertainment vouchers. Alternatively, you can also use them to purchase gift cards, enter raffles, or make donations. All of this can be done when you access the Reward Store on the JetPrivilege website.
    • At selected fuel stations, you can also redeem JPMiles for fuel.

    To redeem your JPMiles, you will have to:

    • Register or Log into your JetPrivilege frequent flyer programme account.
    • Select your product from the reward store.
    • Ensure that your address and contact details are right since the product will be delivered to the address provided. With respect to online vouchers, flights, or hotel stays, ensure that your phone number and email address are correct.
    • Once you confirm the details, redeem your JPMiles and you are good to go.

    Fees and Charges

    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

    JetPrivilege HDFC Bank Titanium Credit Card Eligibility

    The eligibility criteria for this card are:

    Salaried Applicants

    • Minimum age: 21 years
    • Maximum age: 60 years

    Self-employed Applicants

    • Minimum age: 21 years
    • Maximum age: 65 years

    For other eligibility criteria, please contact the bank.

    Documents Required

    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:

    • Identity proof documents: PAN card, Passport, Aadhaar card, driving licence, etc.
    • Address proof documents: Passport, Aadhaar card, Ration card, electricity bill, etc.
    • Income proof documents: Latest salary slips, latest income tax returns, the latest Form 16, etc.

    These documents are only indicative. For a complete list of documents required, please contact the bank.

    How to Apply for the JetPrivilege HDFC Bank Titanium Credit Card Online

    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.

    JetPrivilege HDFC Bank Titanium Credit Card Frequently Asked Questions

    1. Is there a welcome benefit that I get when I apply for this card?
    2. 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.

    3. What is the validity of my JPMiles?
    4. 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.

    5. Will I earn JPMiles for insurance transactions made using my card?
    6. 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.

    7. What is the grace period or interest-free period on this card?
    8. You enjoy an interest-free period of up to 50 days with this card.

    9. How are the JPMiles credited to my account?
    10. All JPMiles you earn are periodically transferred to the frequent flyer account that you have provided.

      

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