HDFC Bank Titanium Edge Credit Card
HDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Titanium Edge Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Fee waiver
Minimum spend of ₹1.5 lakh / Annum for waiver of annual membership fee / renewal charges for next year (Titanium Edge / TimesTitanium).
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Rewards
Redemption value
- Reward Points are valid for 2 years from the date of accumulation.
- Rewards Redemption Fee: ₹99 per redemption request.
- Minimum amount required for cashback redemption: ₹500 (Titanium Edge).
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Reward cap
The maximum reward points that can be earned in a statement cycle for Titanium Edge is 15,000.
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Reward exclusion
- Rent payments and Government related transactions will not earn Reward Points/CashPoints (w.e.f 1st Jan 2023).
- Online Skill-Based gaming transactions will not earn Reward Points (w.e.f 1st July 2025).
- EasyEmi and e-wallet loading transactions will not accrue Reward Points.
- Reward Points reversed if a retail transaction is converted into SmartEMI.
- Insurance transactions capped at 2000 Reward Points per month for all other credit cards.
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.50% of transaction value (Foreign Currency Transactions).
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
- Maximum waiver of ₹250 per statement cycle.
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Interest-free period
The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card.
Verifiedmitc10 Aug 2026, 10:19 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Is the Titanium Edge Credit Card annual fee ever waived?
Minimum spend of Rs. 1.5 lakh / Annum for waiver of annual membership fee / renewal charges for next year (Titanium Edge / TimesTitanium).
mitcWhat are the transfer ratios for Titanium Edge Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedTitanium Edge Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:11 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.