HDFC Bank Purchase Reward Credit Card VS HDFC Bank Titanium Edge Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Purchase Reward Credit Card
HDFC Bank Titanium Edge Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Nil joining and renewal fees make the HDFC Bank Purchase Reward Card highly economical.
Earn up to 1.25% cashback on all regular business expenses, maximizing savings.
Benefit from an interest-free credit period of up to 45 days, aiding cash flow.
Significant savings of up to 40% on business travel and software via SmartBuy BizDeals.
Streamlined expense management with zero paperwork and centralized accounting for efficiency.
Pros
Key benefits and features.
Zero joining fee and easily waivable renewal fee makes it budget-friendly.
Offers accelerated rewards on dining, making it good for foodies.
Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.
Comes with EMV chip and zero liability protection for secure transactions.
An interest-free period of up to 50 days helps manage your monthly finances better.
Cons
Key drawbacks and limitations.
High monthly spend threshold of over ₹50 lakh required to be eligible for cashback.
Cashback is capped at ₹25 lakh per card per month, limiting high spenders.
EMI and fuel spends are explicitly excluded from earning any cashback benefits.
Various fees apply for reissuance, late payments, and specific transaction types.
Cashback is forfeited if the customer is delinquent on any bank product.
Cons
Key drawbacks and limitations.
Lack of premium benefits like airport lounge access and comprehensive travel features.
A redemption fee of Rs. 99 applies for most reward point redemptions.
High foreign currency markup of 3.5% makes international spending expensive.
The card offers no specific welcome benefits, which some users might expect.
Reward points are only valid for two years, requiring timely redemption.