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HDFC Platinum Times Credit Card VS HDFC Bank Titanium Times Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

HDFC Platinum Times Credit Card
HDFC Platinum Times Credit Card
HDFC Bank Titanium Times Credit Card
HDFC Bank Titanium Times Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
₹1,000 + GST
₹500 + GST
Spend Based Waiver
Annual fee waiver on spending Rs 2,50,000 or more in the preceding year.
Renewal fee waived off on spending ₹1,50,000 or more within an anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount plus applicable taxes.
3.5% of transaction amount plus applicable taxes on international spends.
Interest Rate (APR)
3.6% per month (or 43.2% annually).
Applicable interest rate of 3.6% per month or 43.2% per annum.

Rewards & Benefits

Welcome Bonus
Welcome vouchers worth Rs 5000 for shopping, dining, etc., plus a complimentary annual Times Prime Membership.
Complimentary Times Prime Membership (worth ₹999) & e-vouchers worth ₹5,000 on activation.
Rewards Rate
Earn 10 Reward Points for every ₹150 on weekday dining; 3 RP for every ₹150 on retail spends.
Earn 2 Reward Points per ₹150 on retail, 5 RPs per ₹150 on weekday dining transactions.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs 99 plus applicable taxes per reward redemption request.
A fee of ₹99 plus applicable taxes is charged per reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable. This card does not offer any domestic airport lounge access benefits.
International Lounge Access
Not Applicable
Not Applicable. This card does not offer any international airport lounge access benefits.
Travel Benefits
Up to 20% off on hotel stays at selected partners.
Not Applicable. No specific travel benefits are provided with this card.
Movie Benefits
Avail 50% off on movie tickets via BookMyShow (max 4 tickets/month, max Rs 600 discount/transaction).
Enjoy 25% off on movie tickets (up to ₹350/transaction, 4 tickets/month) via BookMyShow.
Dining Benefits
Up to 15% discount (max Rs 1500) on Eazydiner & up to 40% discount on Swiggy Dineout.
Earn 5 RPs on ₹150 weekday dining, complimentary 6 months EazyDiner Prime, up to 35% off via Dineout.
Golf Benefits
Not Applicable
Not Applicable. No golf benefits or privileges are provided with this card.
Fuel Surcharge Waiver
1% waiver on transactions between Rs 400-Rs 4000; max waiver of Rs 500 per month.
1% waiver on fuel transactions (₹400-₹4,000), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable. No specific insurance cover or benefits are included with this card.
Cash Advance Charges
2.5% of transaction fee, with a minimum charge of Rs 500.
Charges are 2.50% of the amount withdrawn or ₹500, whichever value is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Platinum Times Credit Card

HDFC Bank Titanium Times Credit Card

Who is it for?

The HDFC Platinum Times Credit Card is tailored as an 'Entertainment Card' by HDFC Bank, providing substantial benefits across movies, dining, and shopping. It offers accelerated reward points on weekday dining and retail spends, alongside valuable welcome benefits like vouchers and a Times Prime Membership. Ideal for the young generation, it combines lifestyle perks with an affordable, waivable annual fee, making it a strong choice for those seeking entertainment and dining savings.

Who is it for?

The HDFC Bank Titanium Times Credit Card is an excellent choice for individuals whose spending habits predominantly include movies and dining. It offers substantial benefits in these categories, such as a 25% discount on movie tickets and accelerated reward points on weekday dining. A key highlight is the complimentary Times Prime annual membership, adding significant value. Despite being an entry-level card, its strong focus on entertainment and dining makes it highly competitive.

Pros

Key benefits and features.

Offers significant entertainment benefits, including movie discounts and dining deals.

Provides accelerated reward points, especially on weekday dining expenditures.

Comes with valuable welcome benefits like e-vouchers and a Times Prime Membership.

The annual fee is easily waivable by achieving a reasonable spending threshold.

An excellent entry-level option, well-suited for young users and beginners.

Pros

Key benefits and features.

Excellent benefits for movie buffs with 25% off on movie tickets via BookMyShow.

Accelerated reward points on dining spends, especially on weekdays for food enthusiasts.

Includes a valuable complimentary Times Prime annual membership and e-vouchers.

Low annual fee of ₹500, easily waived by meeting a reasonable spend of ₹1.5 lakhs.

Additional cashback offers on utility bills and shopping via SmartPay/SmartBuy.

Cons

Key drawbacks and limitations.

Reward points are not earned on fuel, e-wallet, and specific third-party education payments.

A redemption fee of Rs 99 plus taxes is charged for each reward points request.

Imposes a high 3.5% foreign currency markup on all international transactions.

Reward points have a limited validity, expiring after two years from accumulation.

High cash advance charges make it expensive to withdraw cash using this card.

Cons

Key drawbacks and limitations.

Lacks any domestic or international airport lounge access benefits for frequent travelers.

Does not provide any specific golf or comprehensive travel-related privileges at all.

Reward points have significant caps on categories like fuel, utility, grocery, and insurance.

A reward redemption fee of ₹99 plus taxes is charged for each redemption request.

High foreign currency markup of 3.5% makes it unsuitable for international transactions.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.