HDFC Bank Titanium Edge Credit Card: Features & Apply

Summary

The HDFC Bank Titanium Edge Credit Card is a simple credit card for an individual who wants a low-priced, convenient means of paying for their expenses while earning rewards. The Credit card offers 2 reward points for every ₹150 spent, which is ideal for regular expenses like dining, shopping, and fuel.

One of its major benefits is waiver of the 1% fuel surcharge on spends between ₹400 and ₹5,000, which is a boon for the frequent traveller as it saves them money. The second benefit is the low annual fee of ₹500, and it gets waived off if you spend ₹50,000 or more in a year.

The card is contactless, making it easy and secure to make payments. It also provides an interest-free credit of 50 days, which allows the user to manage money effectively. The user can also convert purchases above value into EMIs, thereby making it easy to handle high-value transactions.

The Titanium Edge Credit Card would be ideal for someone new to the credit card or who requires a low-frills rewards card at a lower cost. It does not have high-end benefits such as access to airport lounges or easy cash back but makes up for this by having its easy-to-earn reward points mechanism.

Introduction

The HDFC Bank Titanium Edge Credit Card is one of the perfect options for getting a handy and rewarding credit card. The card has gorgeous attributes such as cashback, reward points, the offset of fuel surcharge, and dining privileges. If you happen to use your credit card repeatedly to dine out, shop, or purchase fuel, then the card will remunerate you and also spare you money.

This HDFC Bank Titanium Edge Credit Card rewards your everyday spending and is offered by one of India’s best private banks. Suitable for beginners and regular users who seek an inexpensive yet rewarding experience on a credit card, this card is the cherry on the cake because there is no joining fee, and an annual fee that can be waived off if you achieve a specific spend within a year.

If you are an avid shopper, use a lot of gas, and frequently eat out, then this card is right for you. It is an inception card, meaning that even those with poor credit history can get it. Because it has a low fee and practical features, it is ideal for starters.

Easily apply for the HDFC Bank Titanium Edge Credit Card. You may visit the nearby HDFC Bank branch or apply online from the bank’s official website. You will require some basic documents such as identity proof, address proof, and income proof.

This credit card is perfect for someone who wishes to begin their credit journey while getting rewards and saving. If you need a simple, low-price, and rewarding credit card, this might be the best for you!

What is the HDFC Bank Titanium Edge Credit Card?

The HDFC Bank Titanium Edge Credit Card is a convenient and rewarding credit card for your day-to-day expenses. It helps you earn reward points on shopping, eating out, fuel, and other spends. You can subsequently redeem the points to get discounts, vouchers, or gifts.

One of the finest advantages of this card is the waiver of fuel surcharge, and hence you save money when you purchase fuel with this card. It also provides exclusive discounts on dining, and thus your bills at restaurants are reduced. And you get an interest-free credit period of 50 days, and hence you can manage your expenses more efficiently.

What is the design of the HDFC Bank Titanium Edge Credit Card?

HDFC Bank Titanium Edge Credit Card has a sleek and trendy look that makes it look premium. It comes in a dark black and grey color scheme, which makes it look professional and classy. The card features the HDFC Bank logo at the top and the Titanium Edge tag in the center.

There is also an EMV chip in the card for added security to make payments securely. The name, card number, and expiration date are embossed on the front of the card. The card has a magnetic strip and a signature panel on the back side.

What are the benefits of the HDFC Bank Titanium Edge Credit Card?

The following are the key advantages:

1. Earn Reward Points on Each Spend

• Earn 2 Reward Points for each ₹150 spent on shopping, dining, fuel, and more.

• Use these reward points to earn discounts, vouchers or have them redeemed for cashback.

2. Fuel Surcharge Waiver

• Save fuel expense through a waiver of 1% fuel surcharge at all Indian petrol stations.

• Eligible on spends between ₹400 to ₹5,000 per month.

3. Discounts on Dining

• Take pleasure in special offers and promotions at our partner restaurants in India.

• Saves you money while dining out with family and friends.

4. Interest-Free Credit Period

• Relish interest-free credit for up to 50 days, i.e., shop now and pay later at no extra cost.

5. Low Annual Fee & Waiver Option

• The annual fee is very low, and you can even get it waived if you spend ₹50,000 in a year.

• No joining fee, great value-for-money credit card.

6. Secure Transactions

• Features EMV chip to provide extra security against loss through fraud.

• Features contactless payment technology for making fast, secure purchases.

What are the fees for the HDFC Bank Titanium Edge Credit Card?

Here is a simple HDFC Bank Titanium Edge Credit Card fee breakup.

Joining Fee	₹0 (No joining fee)
Annual Fee	₹500 + GST (If you spend ₹50,000 or more in a year, the annual fee is waived.)
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.02% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Titanium Edge Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Titanium Edge Credit Card?

The documents that you will have to submit to Get an HDFC Bank Titanium Edge Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Titanium Edge Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Bank Titanium Edge Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Bank Titanium Edge Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Bank Titanium Edge Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Titanium Edge Credit Card?

The credit limit of the HDFC Titanium Edge Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Titanium Edge Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Titanium Edge Credit Card.

• Just hover your cursor on the HDFC Titanium Edge Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Titanium Edge Credit Card.

• Request for the credit card application form for the HDFC Titanium Edge Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Titanium Edge Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Titanium Edge Credit Card in 2025 be right?

Yes, getting an HDFC Bank Titanium Edge Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The HDFC Bank Titanium Edge Credit Card is one of the perfect options for one who wants to have a low-cost, reward-giving, and simple credit card. It has several benefits, such as reward points on every purchase, fuel surcharge waivers, dining benefits, and an interest-free credit period. All these benefits make this card a best-suited regular usage card with money savings as well as earning rewards.

One of the best things about this card is that it has a low annual fee, which can be waived if you spend ₹50,000 or more in a year. This means that you can enjoy all the benefits without having to worry too much in terms of charges. The card is also safe and secure, with an EMV chip that protects against fraud.

If you’re new to credit card use or need an economically priced card, this is a perfect choice. It allows you to build a solid credit score and keep your expenses in check. You can redeem your reward points, collected from each expenditure, as vouchers, offers, or even as gifts, giving a return value to your spends.

Frequently Asked Questions (FAQ’s)