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Last updated: 12 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 5 Reward Points per ₹150 spent on dining on weekdays (Monday to Friday). Earn 2 Reward Points per ₹150 on all other retail spends.
Redeem for
The privileges that come bundled in, beyond the reward points.
25% discount on movie tickets on BookMyShow (discount capped at ₹350 per transaction).
Up to 15% discount on dining at partner restaurants.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹250 per billing cycle).
Zero lost card liability post reporting.
An honest read on where this card earns its keep — and where it doesn't.
Excellent 25% discount on movie tickets via BookMyShow
Accelerated rewards (5x) on weekday dining
Low annual fee (₹500)
Good dining discounts through partner tie-ups
Low base reward point earning rate
No complimentary airport lounge access
Movie discount is capped at ₹350
Not ideal for international travelers due to standard forex markup
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 Times 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 Times Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Titanium Times 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 "Welcome benefit of discount vouchers across shopping, apparel, and dining categories.".
HDFC Titanium Times Credit Card earns Reward Points at a primary rate of 2 Reward Points per ₹150 spent. Specifically, Earn 5 Reward Points per ₹150 spent on dining on weekdays (Monday to Friday). Earn 2 Reward Points per ₹150 on all other retail spends.. Spends in Dining, Entry Level, Entertainment categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Titanium Times 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 Times 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 Times Credit Card is issued on the Visa or 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 Times 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 Times Credit Card currently features a welcome offer: "Welcome benefit of discount vouchers across shopping, apparel, and dining categories.". 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 Excellent 25% discount on movie tickets via BookMyShow and Accelerated rewards (5x) on weekday dining. However, keep in mind that Low base reward point earning rate and No complimentary airport lounge access. Overall, HDFC Titanium Times Credit Card delivers strong value if your regular spending aligns with Dining, Entry Level, Entertainment.
HDFC Titanium Times Credit Card is focused on Dining and Entry Level and Entertainment 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 Times 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 on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
