
Joining Fee
Free
Annual Fee
Rs. 0 (Reversed on annual spends of Rs. 0.5 Lakhs)
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.
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?
USAGEHow can I use the Titanium Edge Credit Card?
FEESIs the Titanium Edge Credit Card free?
APPLICATIONHow can I apply for the Titanium Edge Credit Card?
BENEFITSWhat are the key benefits of the Titanium Edge Credit Card?
REWARDSHow are reward points earned on the Titanium Edge Credit Card?
REWARDSWhat is the value of reward points earned on the Titanium Edge Credit Card?
FEESWhat is the interest rate on the Titanium Edge Credit Card?
BENEFITSWhat is the fuel surcharge waiver offered on the Titanium Edge Credit Card?
BENEFITSHow does the zero liability protection work on the Titanium Edge Credit Card?
USAGEDoes the Titanium Edge Credit Card support contactless payments?
BENEFITSWhat additional benefits does the Titanium Edge Credit Card offer via PayZapp?
USAGEHow can I manage my Titanium Edge Credit Card?
FEESWhat is the cash advance fee on the Titanium Edge Credit Card?
BENEFITSCan I get an add-on card for the Titanium Edge Credit Card?
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