HDFC Times Titanium Credit Card Benefits - Review

There are many credit cards prevailing in the markets. Several banks provide cards and each card has its own benefits.

HDFC also provides credit cards with several benefits. One of such cards is HDFC times titanium credit card.

Nowadays this credit card is going to be popular among the public at large as it not only provides the credit facility but in addition to this it also provides some entertainment benefits.

 

What are the features of HDFC times titanium credit card?

• This is popular to be known for entertainment card.
• You can have a discount on movies booking and dining expenditure using this card.
• You get 5 rewards points if you spend on dining from Monday to Friday.
• No liability on credit card lost.

Money other benefits like Welcome gift, Contactless payment, Fees waiver which are explained in detail in the following:

 

What are the benefits of HDFC times titanium credit card?

HDFC times titanium credit card benefits are as follows:

Welcome gifts

You will get the welcome gift in the form of vouchers in shopping, dining, hotels and movies etc.

Movies and dining benefits

HDFC time titanium credit card provides you various entertainment benefits in the form of discount in movies booking and dining spends.

Reward Points

You will get 5 rewards points if you spend from Monday to Friday on dining for rupees 150.

You will get 2 points on every rupees 150 spent on all retail purchases.

Points are valid for 2 years from the date of accumulation and the transaction which are converted into a smart EMI plan that would not allow any reward point.

No liability on credit card lost

If you inform within 24 hours about the loss of card, then your liability will be NIL on any fraud transaction thereafter.

Contactless transaction

You can make contactless payments every day of amounts below rupees 2000 with this card.

Fees waiver

Annual fee is waived off on spending over rupees 1.50 lacs in a year.

Insurance benefits

If you take this card then you are insured up to rupees 50 lacs for accidental death.

What are the Fees and Charges of HDFC times titanium credit card?

Type of Fee and Charges	Amount in Rupees
Joining Fee	Rs. 500
Annual Fee	Rs. 500
Interest Free Period	Up to 50 days
Interest rate after free period	3.49% per month
Cash withdrawal fee	2.5% or Minimum Rs. 500 whichever is higher
Cash advance limit	40% of the credit limit
Cash processing fee	Rs. 100
Over Limit charges	2.5% or Minimum Rs. 500 whichever is higher
Reissue of lost stolen or damaged card	Rs. 100
Reward redemption fee	Rs.99 per request
Late Payment charges	Less than Rs.100 – NIL Rs.100 to Rs. 500 – Rs. 100 Rs.501 to Rs. 5000 – Rs. 500 Rs.5001 to Rs. 10000 – Rs. 600 Rs.10001 to Rs. 25000 – Rs. 800 Rs.25001 to Rs. 50000 – Rs. 1100 More than Rs. 50000 – Rs. 1300
Foreign currency transaction fees	3.5%
Payment return charges	2% or Minimum Rs. 500 whichever is higher

 

What are the eligibility criteria of applying for an HDFC times titanium credit card?

Here are the eligibility criteria:

• Both salaried as well as self-employed can apply.
• Age range
• For salaried: 21 to 60 years
• For self-employed: 21 to 65 years
• Your credit history is also checked like Cibil Score.

 

What are the documents required to apply for an HDFC times titanium credit card?

Some of the common documents which required are:

• PAN card of Applicant
• All the KYC documents
• Income tax returns or salary slip
• Bank statements

 

How to apply for an HDFC times titanium credit card?

You can apply it offline or online. In online mode you can visit HDFC official website and there you have to apply.

In offline mode, you can visit your bank branch for applying the credit card.

 

Conclusion

HDFC times titanium credit card is one of the best for entertainment. It is very popular in public and there are many benefits on this card also. So, you can apply as per your requirement.

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