HDFC Bank Titanium Times Card Credit Card
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Premium · Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “We are currently not accepting new applications for the HDFC Titanium Times Credit Card”
Open alternatives
First-year fee
₹500 + GST
Annual fee
₹500 + GST
What it gives back
2 Reward Points per ₹150 · everyday spends
Our calculation
0.13% value back
Fees
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver rule
Fee waived if you spend ₹1.5 lakh.
Add-on card fee
₹0Lifetime Free
Welcome offer
Welcome benefit
Welcome vouchers worth ₹5,000 across shopping, apparel, dining, and more (activate card within 30 days)
Rewards
Reward rate
2 Reward Points per ₹150 · everyday spends2 Reward Points on every ₹150 retail spend.
EMI spend earning
Reward Points will be reversed if a retail transaction is converted into SmartEMI.
Fuel earning
Reward Points will not be earned on fuel transactions.
Government spend earning
Government related transactions will not earn Reward Points /CashPoints.
Groceries earning
Rewards on grocery transactions capped at 1,000 points per month.
Insurance spend earning
Reward Points accrued for insurance transactions will have a cap of 2000 per month.
Reward earning on dining spends
5 Reward Points for every ₹150 spent at restaurants on weekdays.
Utilities earning
Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.
Wallet load earning
EasyEMI and e-wallet loading transactions will not earn Reward Points.
Reward exclusions
Rent payments will not earn Reward Points /CashPoints on all the cards.
Reward caps
Maximum reward points that can be earned in a statement cycle: 25,000
Catalogue redemption
Redeem your Reward Points through the MyRewards Catalogue.
Flight redemption
Flights & hotels bookings are capped per calendar month at 50,000 reward points.
Hotel redemption
Credit Card members can redeem up to a maximum of 50% of booking value through Reward Points
Statement-credit redemption
Redeem reward points to offset your outstanding balance.
Voucher and product redemption
Cardmembers can redeem upto 70% of product/Voucher value through Reward Points /CashPoints on select vouchers/products
Point expiry
Reward Points are valid for 2 years from the date they are accrued.
Smallest number of points that can be redeemed
Redeem reward points to offset your outstanding balance with a ₹500 minimum redemption
What one reward unit is worth
1 Reward Point = ₹0.1.
Card benefits
Hotel or travel programme
Up to 20% off on online and offline shopping, wellness, and hotel stays at selected partners
Dining programme
Extra discount of ₹1,500 on Eazydiner via PayEazy.
Benefit given each anniversary year
An annual subscription of Times Prime Membership with access to Gaana Plus, TOI+, Myntra, SonyLIV, Chaayos & Uber.
Movie or entertainment ticket benefit
The BookMyShow offer for Times Card users is paused and will resume soon.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; maximum waiver of ₹250 per month
Surcharge on railway tickets
1% of transaction amount + GST
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Convert your big spending into EMI after purchase.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
3.75% per month (i.e., 45% per annum)
Over-limit fee
2.5% of overlimit amount, minimum ₹550
Payment return or dishonour fee
2% of the payment amount (minimum ₹450)
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
Reissue of lost, stolen or damaged card: ₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 for card payments made by depositing in HDFC Bank branches or ATMs.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
GST note
Goods and Services Tax (GST) on all Fees, Interest, and other Charges
Grace days after the due date
The interest free credit period could range from 20 to 50 days
Minimum amount due
5% of Retail Balance / Cash Advance Balance and finance charges and 100% of charges, Loan EMI billed under cards, levies and Taxes
Eligibility
Income, salaried
Net monthly income above ₹25,000 (salaried)
Income, self-employed
Annual income above ₹6 lakh (self-employed)
Minimum age
Age 21 to 60 years (salaried), 21 to 65 years (self-employed)
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.