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Explore cards from India's leading banks.
Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Reward Points per ₹150 spent
Earn 2 Reward Points for every ₹150 spent on regular purchases. Earn 50% more Reward Points (3 Reward Points per ₹150) on everyday dining spends. Base redemption value is typically ₹0.20 per point.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹500 is waived if you spend ₹50,000 or more in the previous anniversary year
1% fuel surcharge waiver at all fuel stations in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle)
Zero liability on fraudulent transactions if the loss of the card is reported immediately
An honest read on where this card earns its keep — and where it doesn't.
Very low maintenance cost with an easy ₹50,000 annual fee waiver target
Accelerated rewards (50% extra) on dining expenses
Standard fuel surcharge waivers across all petrol pumps
Legacy card that is largely discontinued for new applicants
Very low base reward value compared to modern entry-level cards
No premium lifestyle benefits like airport lounge access
Reward points expire after 2 years
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Titanium Edge Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Titanium Edge Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Titanium Edge Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "500 Reward Points upon realization of the joining fee.".
HDFC Titanium Edge Credit Card earns Reward Points at a primary rate of 2 Reward Points per ₹150 spent. Specifically, Earn 2 Reward Points for every ₹150 spent on regular purchases. Earn 50% more Reward Points (3 Reward Points per ₹150) on everyday dining spends. Base redemption value is typically ₹0.20 per point.. Spends in Dining, Entry Level, Rewards categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Titanium Edge Credit Card can be redeemed for Product Catalogue, Cashback / Statement Credit, Airmiles via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Titanium Edge Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Titanium Edge Credit Card is issued on the MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Titanium Edge Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Titanium Edge Credit Card currently features a welcome offer: "500 Reward Points upon realization of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Very low maintenance cost with an easy ₹50 and 000 annual fee waiver target. However, keep in mind that Legacy card that is largely discontinued for new applicants and Very low base reward value compared to modern entry-level cards. Overall, HDFC Titanium Edge Credit Card delivers strong value if your regular spending aligns with Dining, Entry Level, Rewards.
HDFC Titanium Edge Credit Card is focused on Dining and Entry Level and Rewards valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC Titanium Edge Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all fuel stations in India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
