What is the HDFC Bank Titanium Edge Credit Card?

The HDFC Bank Titanium Edge Credit Card is an entry-level card designed for everyday spending and building credit history, offering reward points and fee waivers.

Are there any joining or renewal fees for the HDFC Bank Titanium Edge Credit Card?

The HDFC Bank Titanium Edge Credit Card has no joining fee. Its renewal fee is also nil and can be waived by spending Rs. 50,000 in a year.

How do I earn reward points with the HDFC Bank Titanium Edge Credit Card?

You earn 2 Reward Points for every Rs. 150 spent on the HDFC Bank Titanium Edge Credit Card, with 3 Reward Points per Rs. 150 on dining.

Can I get a fuel surcharge waiver with this HDFC Bank credit card?

Yes, the HDFC Bank Titanium Edge Credit Card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 monthly.

What are the redemption options for HDFC Bank Titanium Edge Credit Card reward points?

Reward points from your HDFC Bank Titanium Edge Credit Card can be redeemed for gifts, air miles via MyRewards, or as cash credit to your statement.

Is there a fee for redeeming reward points on the HDFC Bank Titanium Edge Credit Card?

A fee of Rs. 99 applies per redemption request for the HDFC Bank Titanium Edge Credit Card, except when redeeming points for cash credit.

Does the HDFC Bank Titanium Edge Credit Card offer lounge access?

No, the HDFC Bank Titanium Edge Credit Card does not offer complimentary domestic or international airport lounge access.

What is the foreign currency markup on the HDFC Bank Titanium Edge Credit Card?

The HDFC Bank Titanium Edge Credit Card has a foreign currency markup of 3.5% on all international transactions.

What security features does the HDFC Bank Titanium Edge Credit Card provide?

The HDFC Bank Titanium Edge Credit Card includes EMV Chip technology and zero liability protection for lost or stolen cards, ensuring secure transactions.

How long are reward points valid for on the HDFC Bank Titanium Edge Credit Card?

Reward Points earned on the HDFC Bank Titanium Edge Credit Card are valid for two years from their accrual date.

HDFC Bank

HDFC Bank Titanium Edge Credit Card

ShoppingDiningFuel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

No welcome benefits are offered with this credit card.

Rewards Rate

Earn 2 Reward Points for every ₹150 spent, with 3 RP on dining spends.

Reward Type

Reward Points

Reward Redemption

Redeem points for exclusive gifts, air miles via MyRewards, or cash credit (1 RP = Re. 0.10).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero liability protection against lost/stolen cards if reported immediately.

Movie

Not Applicable

Dining

Earn 50% more Reward Points on dining (3 RP for every Rs. 150 spend).

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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