Titanium Edge Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0.5 Lakhs)

Cashback
Rewards
Fuel
Best For: Existing cardholders looking for basic rewards and fuel savings, Everyday spends including dining and shopping

Titanium Edge Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.1

Pros

  • 100% fuel surcharge waiver up to ₹250 per statement cycle
  • 50% more reward points on dining
  • Up to 50 days interest-free credit period
  • Zero liability on lost card if reported immediately
  • EMV Chip security
  • Annual fee waived on spending ₹50,000 in a year

Cons

  • Card sourcing has been stopped; no new applications accepted
  • High interest rate of 3.49% per month on unpaid balances
  • Low base reward rate of 2 points per ₹150 spent

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver capped at ₹250 per statement cycle

Contactless payments above ₹5,000 require PIN

Interest-free period subject to merchant charge submission

Key Benefits & Features

Up to 50 days interest-free credit period from date of purchase

EMV Chip technology for enhanced security against fraud

Zero liability on lost/fraudulent transactions if reported immediately to HDFC Bank 24/7 Call Centre

Contactless payments enabled; transactions up to ₹5,000 do not require PIN

Extra CashBack and Reward Points on utility bills, mobile recharge and more via PayZapp

About Titanium Edge Credit Card

The HDFC Bank Titanium Edge Credit Card is designed for existing cardholders seeking everyday rewards, cashback, and fuel savings. Please note that new applications for this card are no longer being accepted; however, current cardholders continue to enjoy its full range of benefits. The card delivers solid value through its reward points program, offering 2 Reward Points for every ₹150 spent, with 50% more Reward Points on dining expenses. Accumulated points can be redeemed for cashback against outstanding credit card balances, with 100 Reward Points equating to ₹10. Cardholders also benefit from a 100% fuel surcharge waiver, capped at ₹250 per statement cycle, making it a practical choice for regular commuters. Additional financial flexibility comes in the form of up to 50 interest-free credit days from the date of purchase and revolving credit at a nominal interest rate. Security and convenience are well covered, with EMV Chip technology guarding against unauthorized use and zero liability on lost or stolen cards when reported promptly. The card supports contactless payments and integrates seamlessly with PayZapp, unlocking extra cashback and reward points on utility bills, mobile recharges, and shopping across 200-plus brands. Annual fee waivers are also available upon meeting a minimum annual spend of ₹50,000.

Expert Review

Our Verdict

Entry-level card with reward points on spends, 50% more on dining & fuel surcharge waiver up to ₹250/cycle.

Frequently Asked QuestionsAbout Titanium Edge Credit Card

OTHERWhat is a Titanium Edge Credit Card?
The Titanium Edge Credit Card is a premium card offered by HDFC Bank that provides a range of rewards, benefits, and features designed to elevate your financial experience. It offers CashBack, reward points, dining privileges, fuel surcharge waivers, and EMV Chip technology for enhanced security. Please note that sourcing of this card has been stopped, meaning no new applications are being accepted at this time.
USAGEHow can I use the Titanium Edge Credit Card?
You can use the HDFC Titanium Edge Credit Card for various transactions like shopping, dining, travel bookings, and more. It offers reward points on specific spending categories, a fuel surcharge waiver on fuel transactions, and CashBack on certain transactions via PayZapp, making it a versatile card for everyday use. It also supports contactless payments at retail outlets for transactions up to ₹5,000 without requiring a PIN.
FEESIs the Titanium Edge Credit Card free?
The Titanium Edge Credit Card has a membership renewal (annual) fee. However, the annual fee can be waived if you spend ₹50,000 or more within a year. There is no joining fee associated with this card. Additionally, a cash advance fee of 2.5% (minimum ₹500) applies to all cash withdrawals. Please refer to the fees and charges section on the HDFC Bank website for complete details.
APPLICATIONHow can I apply for the Titanium Edge Credit Card?
HDFC Bank is currently not accepting new applications for the Titanium Edge Credit Card, as sourcing of this card has been stopped. However, existing cardholders will continue to enjoy all card benefits. If you are looking for a new credit card, you can explore HDFC Bank's wide range of other credit card options available on their official website to find one that best suits your needs.
BENEFITSWhat are the key benefits of the Titanium Edge Credit Card?
The Titanium Edge Credit Card offers several benefits: up to 50 days of interest-free credit from the date of purchase, 100% fuel surcharge waiver (maximum ₹250 per statement cycle), 2 reward points for every ₹150 spent, 50% more reward points on dining expenses, EMV Chip technology for fraud protection, zero liability on lost card if reported immediately, annual fee waiver on spending ₹50,000 in a year, and extra CashBack and reward points via PayZapp.
REWARDSHow are reward points earned on the Titanium Edge Credit Card?
With the Titanium Edge Credit Card, you earn 2 reward points for every ₹150 spent on eligible transactions. You also earn 50% more reward points on dining expenses, making it a great card for frequent diners. Reward points can be redeemed for CashBack against your outstanding credit card amount, where 100 reward points equal ₹10. You can view and redeem your reward points easily through the MyCards platform.
REWARDSWhat is the value of reward points earned on the Titanium Edge Credit Card?
The reward points earned on the Titanium Edge Credit Card can be redeemed for CashBack against your outstanding credit card balance. The redemption value is 100 Reward Points = ₹10 for CashBack. This means each reward point is worth ₹0.10 when redeemed as CashBack. You can track and redeem your accumulated reward points conveniently through the MyCards mobile platform.
FEESWhat is the interest rate on the Titanium Edge Credit Card?
The Titanium Edge Credit Card charges an interest rate of 3.49% per month on any unpaid balance carried past the due date of the bill. This is a relatively high interest rate, so it is advisable to pay your outstanding balance in full before the due date. You can also enjoy up to 50 days of interest-free credit from the date of purchase if the full outstanding balance is paid on time.
BENEFITSWhat is the fuel surcharge waiver offered on the Titanium Edge Credit Card?
The Titanium Edge Credit Card offers a 100% fuel surcharge waiver on fuel transactions. The maximum waiver is capped at ₹250 per statement cycle. This benefit makes the card particularly useful for individuals who frequently spend on fuel. To avail this benefit, use your Titanium Edge Credit Card when purchasing fuel at fuel stations.
BENEFITSHow does the zero liability protection work on the Titanium Edge Credit Card?
The Titanium Edge Credit Card offers zero liability protection for fraudulent or unauthorised transactions, provided you report the loss or theft of your card immediately to HDFC Bank's 24/7 Call Centre. Once reported, you will not be held responsible for any fraudulent transactions made on your card. Additionally, the card is equipped with EMV Chip technology, which provides an extra layer of security against unauthorised usage.
USAGEDoes the Titanium Edge Credit Card support contactless payments?
Yes, the Titanium Edge Credit Card is enabled for contactless payments at retail outlets that support the contactless payment network. In India, contactless payments up to ₹5,000 do not require a PIN for a single transaction. For transactions of ₹5,000 or more, you will need to enter your Credit Card PIN. You can identify contactless-enabled terminals by looking for the Contactless Network Symbol.
BENEFITSWhat additional benefits does the Titanium Edge Credit Card offer via PayZapp?
By linking your HDFC Bank Titanium Edge Credit Card on PayZapp, you can enjoy extra CashBack and reward points on utility bill payments, mobile recharges, and more. You can also get ₹1,000 CashBack on in-app shopping across 200+ brands. PayZapp also allows you to pay securely without the hassle of OTPs using the 'Swipe to Pay' feature, making digital payments seamless and rewarding.
USAGEHow can I manage my Titanium Edge Credit Card?
You can manage your Titanium Edge Credit Card using the MyCards platform, a mobile-based service that allows you to activate and manage your card conveniently. Through MyCards, you can set your card PIN, manage card controls (online spends, contactless transactions), view transactions, download e-statements, check and redeem reward points, block or re-issue your card, and apply for an add-on card — all without passwords or downloads.
FEESWhat is the cash advance fee on the Titanium Edge Credit Card?
The Titanium Edge Credit Card charges a cash advance fee of 2.5% of the withdrawn amount, with a minimum fee of ₹500, applicable to all cash withdrawals made using the card. Additionally, interest at the rate of 3.49% per month will be charged on the cash advance amount from the date of withdrawal. It is generally advisable to avoid cash advances due to the high associated costs.
BENEFITSCan I get an add-on card for the Titanium Edge Credit Card?
Yes, existing Titanium Edge Credit Card holders can apply for an add-on card for family members through the MyCards platform. The MyCards platform also allows you to manage the add-on card, including setting its PIN and configuring card controls. Since new applications for the primary Titanium Edge Credit Card have been stopped, only existing cardholders are eligible to request add-on cards.

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