HDFC Bank Titanium Times Credit Card: Everything You Need To Know

Credit cards are now a part of so many people’s lives in today’s financial world. For convenience, rewards, and exclusive offers, consider a credit card that makes your spending and saving even easier. HDFC Bank Titanium Times Credit Card is one such card that provides an excellent concoction of rewards, lifestyle benefits and cost-effective features that suits perfectly to a large base of customers.

Here in this blog, we discuss The HDFC Bank Titanium Times Credit Card in terms of its features, benefits, fees, eligibility and more. If you want a card that fits your lifestyle, boosts your spending power and offers some great extras, this card may be your perfect match.

Review Summary Of The HDFC Bank Titanium Times Credit Card

The HDFC Bank Titanium Times Credit Card.. has been introduced to the market for the people, who will not settle for nothing but the best when it comes to the rewards of spending and the privileges it brings along. And if shopping is your thing, if you’re an avid traveler or like eating out, there are benefits of varying degrees for all of you.

Overview of the HDFC Bank Titanium Times Credit Card Features

Well, we will directly jump into its benefits and advantages, but before that let’s discuss the features of HDFC Bank Titanium Times Credit Card so that it will be easier to understand what the product is all about:

Reward Points Structure

HDFC Bank Titanium Times Credit Card: Reward Points Offers

The HDFC Bank Times Card comes with eye-catching reward features which allow users to earn reward points without a hitch while going about their normal and daily spends. This makes the card particularly lucrative for people who want to rack up points with all purchases.

• 5 Reward Points on every ₹150 spent on all retail transactions.

• Redeem your Reward Points for exciting products, vouchers and services in the HDFC Rewards Catalogue.

• Cardholders are also able to redeem their points for flight tickets, hotel stays and gift vouchers for well-known brands and outlets.

Fuel Surcharge Waiver

The HDFC Bank Titanium Times Credit Card provides a waiver of fuel surcharge on fuel purchases. This feature can be useful in helping users save a lot on fuel purchases.

• Waiver on fuel surcharge: 1%, for transactions between ₹400 to ₹5,000.

• The total waiver which a cardholder can get in a billing cycle is ₹250.

This is why the HDFC Bank Titanium Times Credit Card is one of the best for people who drive a lot and want the luxury of not spending too much on fuel.

Annual Fee and Renewal Fee

The HDFC Bank Titanium Times Credit Card does not carry a high annual fee, which means you can apply for one irrespective of your income. The card comes with a number of benefits and rewards, and the annual fee is reasonable for what you get in return.

• Joining Fee: ₹500 plus taxes

• Renewal Fee: Rs.500 plus taxes as applicable

• Fee Waiver: Renewal fee waived on spends of ₹50,000 or more in a year before renewal date.

Exclusive Dining Benefits

Food connoisseurs can avail of special dining privileges at partner restaurants in India with the HDFC Bank Titanium Times Credit Card. Members may receive discount offers at select restaurants when they use their credit card to pay for their meal.

• Dining Privileges: 15% off at participating partner restaurants and outlets.

The occasional diner who wants to get the most out of their food-related spending will find the card’s dining rewards useful.

Movie Benefits

The HDFC Bank Titanium Times Credit Card offers several perks related to movies thereby making movie buffs all over the nation happy.

• Movie Offers: 1 free movie ticket per month can be availed when booking through certain movie tickets websites (BookMyShow etc.)

• Max. Value: The movie ticket offer discount is limited to ₹200.

Lounge Access

If you are a frequent traveller, HDFC Bank Titanium Times Credit Card provides access to domestic airport lounges where you can hang out till your flight takes off.

• Lounge Access: 1 free lounge visit per quarter (4 visits per year).

• Lounge Access Facilities: You can avail the services like access to lounges at different airports in India for a hassle free travel journey.

Comprehensive Insurance Coverage

HDFC Bank Titanium Times Credit Card also comes with several insurance covers as an additional security and peace of mind for the card members.

• Purchase Protection: Coverage against damage or theft of eligible purchases made with the card.

• Air Accident Cover: Covering accidental death while travelling on a common carrier (plane, train etc.

• Fraud Liability Protection: Grants you protection from fraudulent transactions if your card is ever lost or stolen.

Advantages of the HDFC Bank Titanium Times Credit Card

Now that the primary features are profiled, let’s better understand the benefits of the HDFC Bank Titanium Times Credit Card that we’ve discussed, and see why they make it so popular for everyday use.

Rewarding Your Every Spend

For those, who use it for their everyday retail spends, the card rewards a highlight feature - 5 Reward Points per ₹150 spent on retail shopping. These rewards can then be collected and redeemed for a range of offers such as travel, shopping, and lifestyle deals.

Whether you’re buying groceries, clothes or grabbing a meal out, count those daily purchases towards fantastic gifts – on us!

Fuel Savings

The 1% fuel surcharge on cardholders who use their cards to fuel their automobiles is a plus. This perk is automatically added on cardholders’ fuel purchases done with the card that could add up to significant savings on their fuel cost.

Dining Discounts

The holders are also entitled to exclusive discounts and offers at partner restaurants. 15% discount on dining means you can eat out for less, so this card is great for foodies and anyone who loves eating at high-end restaurants.

No Annual Fee but Only After You Spend an Insightful Amount

It’s the most practical way to get your annual fee waived off if you want to steer clear of paying an annual fees with a credit card. It is great boon for those who are already using the card as annual retail spent ₹50,000 that gets the fees anyways waived off.

Convenient Lounge Access

The 1 free lounge visit per quarter is a nice bonus for frequent travellers. This benefit is an easy way to soothe your nerves before a flight and grants you access to executive lounges at all the major Indian airports.

Movie Lovers’ Delight

The card’s movie benefits are a big plus for movie buffs. Monthly free movie ticket Using your EMI card, cardholders can pay for one ticket and get another for free at any movie show. This is a huge bonus that can save you a bundle on entertainment.

How the HDFC Bank Titanium Times Credit Card Stacks Up

The HDFC Bank Titanium Times card is not the only credit card on the market.

In comparison to other credit cards, the HDFC Bank Titanium Times Credit Card is providing the great value proposition. There are advanced benefits with premium cards such as the HDFC Bank Diners Club Card or the RBL Bank Signature Card), but the HDFC Bank Titanium Times Credit Card is a preferable product to customers who are looking for a little more than just basic rewards and benefits on the card.

With the features of reward points, fuel surcharge waiver, dining deals, movie offers, and lounge access in one card, it is good to have for card holders who want a mix of low cost and rewards. Coupled with its low annual fee and point structure that is easy to earn, this is a good card for folks who want value from their spending.

Final Thoughts

If you’re looking earn rewards on everyday transactions and at the same time enjoy lifestyle privileges ranging from dining to movies and lounge entry, the HDFC Bank Titanium Times Credit Card is a great pick. Its low monthly fee plus high points earn rate is suitable for many customers, while its unique benefits are for anyone interested in lifestyle rewards as well as travel benefits and dining privileges.

The HDFC Bank Titanium Times Credit Card is ideal for anyone who is in search of a card that gives them the bang for their buck. Whether it’s in aisles, dining out, at the pump or a show, this card delivers everything you need for a superior shopping experience.