HDFC Bank Titanium Edge Credit Card
HDFC Bank · Closed to new applicants
A basic HDFC rewards card, closed to new applicants: 2 reward points per ₹200 with 50% more at restaurants, 100 points = ₹10 as statement credit and a fuel surcharge waiver. Fee amount not published.
- Annual fee
- Fees not entered yet
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- Retail spends: 2 Reward Points per ₹200 (about 0.1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 20 Oct 2026
Main earn rates
- 50% more reward points on dining (1 bonus point per ₹200): 1 Reward Points per ₹200 on top of the base rate (about 0.05% at cash value)
Earns nothing on
- No points on fuel
- No points on rent and property management, or on government payments (from 1 January 2023)
- No points on wallet loads
- No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
- No points on online skill-based gaming (from 1 July 2025)
- No points on education fees paid through third-party apps (from 1 September 2024)
Where the sources disagree
- interest rate: The fees page says 3.49% a month. MITC v4.15 gives 3.75% for all variants other than the 1.99% cards. The MITC is used.
Terms the calculator does not value
- Only the statement-credit value (100 points = ₹10) is stated. The archived page also offers gifts and air miles through a rewards catalogue, without values.
- The MITC fair usage clause lists "titanium" at 15,000 points a statement cycle; it does not name Titanium Edge, so no cap is entered.
Sources
- Titanium Edge credit card product page (Product page, the bank's own, read 20 Oct 2026)
- Titanium Edge credit card fees and charges page (FAQ, 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)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- Titanium Edge Credit Card page, older hdfcbank.com version (archived) (Product page, the bank's own, read 20 Oct 2026)
- Titanium Edge Credit Card Fees & Charges, older hdfcbank.com version (archived) (Product page, the bank's own, read 20 Oct 2026)