HDFC Bank Titanium Times Credit Card
HDFC Bank · Closed to new applicants
HDFC's entry entertainment card with Times Internet: 2 reward points per ₹200 on retail spends (it was per ₹150 until 15 May 2026), 5 points per ₹150 on weekday dining and a Times Prime membership, for ₹500 a year waived at ₹1.5 lakh. Closed to new applicants.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- 2 points per ₹200 on retail spends: 2 Reward Points per ₹200 (about 0.1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on fuel, wallet loads or EasyEMI
- No points on rent or government payments (from 1 January 2023)
- No points on education paid through third-party apps (from 1 September 2024)
- No points on online skill-based gaming (from 1 July 2025)
Where the sources disagree
- base accrual unit: The product page still says 2 reward points per ₹150; HDFC's notice of 15 May 2026 lists Times Titanium at 2 points per ₹200 from that date. The dated notice is used; the per-₹150 rules are kept until 14 May 2026.
- insurance points cap: The product page says insurance points are capped at 2,000 a day; MITC v4.15 clause e caps them at 2,000 a month from 1 July 2025. The MITC is used.
Terms the calculator does not value
- The card is closed to new applicants; the calculator values it as if issued today. HDFC gives no closing date.
- 5 points per ₹150 on dining on weekdays (restaurant merchant codes only) is not modelled; the calculator has no weekday dining line, so dining earns the base rate. The page still states this bonus per ₹150 although the base accrual moved to ₹200.
- The card's lifestyle offers (BookMyShow, EazyDiner, Times Prime, partner discounts) are listed as benefits without a rupee value; they change often and the BookMyShow offer has been paused at times.
- Welcome vouchers "worth ₹5,000" on activation within 30 days are listed without a value: their conditions are not published.
Sources
- Titanium Times Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Titanium Times Credit Card fees and charges (Schedule of charges, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Updates on your credit card rewards, fees and charges, effective 15 May 2026 (generic mailer) (Bank notice, the bank's own, read 20 Oct 2026)
- HDFC Bank rewards redemption form (cashback conversion ratios and airmile rates by card; PDF created 24 September 2026) (Reward terms, the bank's own, read 20 Oct 2026)
- HDFC Bank Titanium Times Credit Card frequently asked questions (Times Prime and BookMyShow offers) (FAQ, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 23 Oct 2026)