HDFC Bank Titanium Edge Credit Card

The HDFC Titanium Edge Credit Card stands out as one of HDFC’s fundamental credit card offerings. It boasts a no joining fee, and you have the opportunity to convert it into a lifetime free credit card by making annual expenditures of Rs. 50,000 or more. This card allows you to accrue up to 3 Reward Points for every Rs. 150 spent, and these points are redeemable against your card’s outstanding balance. While it may not offer extensive benefits in categories like travel, movies, or dining, it remains a viable option for those seeking a budget-friendly credit card with a respectable reward rate.

Key Highlights of HDFC Titanium Edge Credit Card

  1. No initial membership fee is required.
  2. Earn 2 Reward Points for every Rs. 150 spent.
  3. Redeem accumulated Reward Points for cash credits.
  4. Enjoy a 50% bonus in Reward Points for dining expenses.
  5. Qualify for a renewal membership fee waiver based on spending.
  6. Receive a 1% fuel surcharge waiver on all fuel transactions.

Features and Benefits of HDFC Titanium Edge Credit Card

The HDFC Bank Titanium Edge Credit Card offers several features and benefits:

1. Rewards:

  • Earn 2 Reward Points (RPs) for every Rs.150 spent using the card.
  • Receive an additional 50% RPs on dining transactions.
  • Accumulate Rewards Points for cashback, air miles, and gifts.

2. Dining:

  • Gain an extra 50% Rewards Points for dining transactions.
  • This bonus applies to transactions categorized under ‘Restaurant’ in the Merchant Category Code (MCC), excluding ‘Hotel.’

3. Insurance:

  • Enjoy complimentary Accidental Death Insurance cover up to Rs.50 lakh.
  • Receive complimentary Fire and Burglary cover up to Rs.2 lakh on purchases exceeding Rs.5,000.
  • Applicable on a minimum of 4 transactions per month.

4. Fuel:

  • Avail a 1% fuel surcharge on transactions of Rs.400 and above.
  • Receive up to Rs.250 in fuel surcharge per month.

5. Zero Liability in Case of Lost Card: Report card loss to the bank’s call center (available 24/7) to avoid liability for fraudulent charges.

6. Transaction Security: Use the card at both chip-enabled and non-chip enabled point-of-sale terminals for secure transactions.

7. Interest-Free Credit: Enjoy a maximum of 50 interest-free credit days on purchases from the transaction date.

HDFC Titanium Edge Credit Card Fees and Charges

Explore the fee structure for the HDFC Bank Titanium Edge Credit Card and discover the financial advantages that come with it.

1. Joining Fee: Amount communicated at the time of sourcing.

2. Annual Fee: Amount communicated at the time of sourcing.

3. Finance Charges:

  • 3.60% per month
  • 43.2% per annum

4. Late Payment Charges (For Statement Balance):

  • 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
  • Rs. 25,000 to Rs. 50,000 – Rs. 1,100
  • More than Rs. 50,000 – Rs. 1,300

Eligibility Criteria for HDFC Bank Titanium Edge Credit Card

Here are essential criteria for applying for an HDFC Bank Titanium Edge Credit Card:

  1. The candidate must fall into one of two categories: salaried or self-employed.
  2. Salaried individuals applying should be between 21 and 60 years old.
  3. Self-employed individuals applying should have an age range of 21 to 65 years.
  4. A prerequisite for all applicants is the possession of a satisfactory credit history.

Documents Required for HDFC Titanium Edge Credit Card

To apply for the HDFC Titanium Edge Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • Options include Voter ID, PAN Card, Passport, and Driving Licence.
  • Each document serves as a unique identifier.

2. Address Proof:

  • Valid proofs encompass Utility Bills, Rent Agreement, Passport, Driving License, and Flat Maintenance Bills.
  • These documents confirm the individual’s residential address.

3. Copy of PAN Card:

  • Submission of a photocopy of the PAN Card is required.
  • PAN Card serves as a vital identification document for financial transactions.

4. Financial Documentation:

  • Latest Bank Statements provide a snapshot of the individual’s financial transactions.
  • Latest Salary Slips offer insight into the person’s income.
  • The latest Income Tax Return (ITR) is essential for assessing tax liabilities.

How To Apply for HDFC Titanium Edge Credit Card?

Follow these steps to apply for the HDFC Titanium Edge Credit Card online:

  1. Go to the HDFC Bank’s official website.
  2. Navigate to the ‘Borrow’ section.
  3. Choose ‘Credit Cards.’
  4. Scroll down to locate ‘Other Cards.’
  5. Look for the ‘HDFC Titanium Edge Credit Card.’
  6. Click on ‘Know More’ to access detailed information.
  7. Review all the card details.
  8. Click on the ‘Apply Online’ option at the bottom of the page.
  9. Begin the application process by entering your mobile number.
  10. Complete the subsequent steps by filling in all the necessary details.

Frequently Asked Questions (FAQs) –

1. What is the HDFC Titanium Edge Credit Card?

The HDFC Titanium Edge Credit Card is a credit card offered by HDFC Bank, designed to provide various benefits and rewards to cardholders.

2. How can I apply for the HDFC Bank Titanium Edge Credit Card?

To apply for the HDFC Bank Titanium Edge Credit Card, visit the official HDFC Bank website, navigate to the ‘Borrow’ section, choose ‘Credit Cards,’ find the ‘HDFC Titanium Edge Credit Card,’ and click on ‘Apply Online.’

3. What are the key features of the HDFC Bank Titanium Edge Credit Card?

Key features include rewards on spending, cashback offers, fuel surcharge waiver, and access to exclusive privileges such as discounts on dining, travel, and entertainment.

4. What are the eligibility criteria for obtaining the HDFC Bank Titanium Edge Credit Card?

Eligibility criteria may include age, income, credit score, and other factors. Check the official HDFC Bank website or contact the bank directly for specific eligibility requirements.

5. How can I check the status of my HDFC Bank Titanium Edge Credit Card application?

You can check the status of your application online through the HDFC Bank website or by contacting the bank’s customer service.

6. What is the annual fee for the HDFC Bank Titanium Edge Credit Card?

Details about fees and charges, including the annual fee, can be found on the HDFC Bank website or in the terms and conditions provided with the credit card application.

7. Are there any rewards or cashback programs associated with the HDFC Bank Titanium Edge Credit Card?

Yes, the HDFC Bank Titanium Edge Credit Card typically offers rewards and cashback programs on various spending categories. Check the specific terms and conditions for the current benefits.

8. How can I redeem the rewards earned on my HDFC Bank Titanium Edge Credit Card?

Details on reward redemption options can be found on the HDFC Bank website or by contacting the HDFC credit card customer care service.

9. Is there a foreign transaction fee associated with the HDFC Bank Titanium Edge Credit Card?

Check the terms and conditions to understand any foreign transaction fees or other charges associated with using the card internationally.

10. How can I contact HDFC Bank for queries related to the Titanium Edge Credit Card?

You can contact HDFC Bank through their customer service hotline, visit a local branch, or use the contact details provided on the official HDFC Bank website.