HDFC Bank Titanium Edge Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

There is no fee to join. You will receive 2 Reward Points for every Rs. 150 spent. Reward Points can be exchanged for cash credit. Dining purchases will earn 50% more Reward Points. Renewal membership fee can be waived based on spending. A 1% fuel surcharge will be waived on all fuel transactions.

The HDFC Bank Titanium Edge Credit Card boasts a host of benefits that make it an excellent choice for avid shoppers.

With a joining fee of Nil and a renewal fee of Nil (if you spend Rs. 50,000 or more in a year), this card offers immense value for money.

Reward Points form the crux of the card's rewards program, allowing cardholders to earn 2 Reward Points for every Rs. 150 spent on shopping.

This is a great way to accumulate points and redeem them for exciting rewards.

Dining is also a rewarding experience with this card, as it offers Accelerated Reward Points on all dining transactions.

This makes it an ideal companion for movie nights and dinners out.

One noteworthy perk is the waiver of the renewal fee if you meet the spending requirement of Rs. 50,000 or more in the previous year.

This ensures that you can continue enjoying the card's benefits without any additional cost.

While there may be a nominal fee of Rs. 99 on each redemption request, it is a small price to pay for the convenience and value that comes with redeeming your points.

Foreign currency spends incur a markup of 3.5%, which is on par with industry standards.

This makes the card suitable for international travelers who want to enjoy its benefits even abroad.

With an interest rate of 3.49% per month, it is important to use the card responsibly and pay off outstanding balances on time to avoid hefty charges.

Furthermore, the card provides a fuel surcharge waiver of 1% on transactions ranging from Rs. 400 to Rs. 5,000, making it a viable option for those who frequently fill up their tanks.

Cash advances can be made with the card, but it is essential to note that a fee of 2.5% of the withdrawn amount will be charged, subject to a minimum of Rs. 500.

In conclusion, the HDFC Bank Titanium Edge Credit Card offers a seamless shopping experience, ample rewards, and a range of benefits for a hassle-free lifestyle.

With its competitive offerings and robust rewards program, this card is a top choice for individuals seeking a rewarding credit card experience.