HDFC Bank Titanium Times Credit Card: Features & Charges

Summary

Designed for those who routinely spend on entertainment, dining out, and shopping, the HDFC Bank Titanium Times Credit Card is a lifestyle-oriented credit card. It is quite sought-after for those who enjoy restaurants since it offers 25% off movie tickets ordered on BookMyShow (₹350 per booking, twice a week) and 5 reward points for every ₹150 spent there.

For every ₹150 spent in all other qualified purchases, card members additionally get 2 reward points; these may be used on HDFC’s rewards site to make purchases of gifts, vouchers, or bookings. The card has a membership fee of ₹500 plus a renewal fee of ₹500; these are waived if your previous year’s spending exceeds ₹1.5 lakh. This makes the card value-for–money and somewhat reasonably priced for daily use.

Additional benefits include free meal savings through HDFC’s networks, waiver of the fuel levy, and leisure discounts. The card also permits safe overseas transactions, while foreign transactions draw a 3.5% markup of currency.

Introduction

In today’s world, a credit card is not only a payment tool—it’s a lifestyle companion. If you like dining out, shopping, or watching the latest movies, a good credit card can help you enjoy great rewards while keeping your bills in check. Among the numerous credit cards on offer in India, the HDFC Bank Titanium Times Credit Card is an intelligent option for individuals looking for rewards and savings on their daily expenses.

This is a credit card that is designed specifically for individuals who are continuously spending money on restaurants, visits to the movies, and purchases on a routine basis. It gives excellent discounts and cashback that gives you a refund of your money on your routine expenses. The best part is that it doesn’t just introduce convenience into your life but rewards you for money spent.

One of the major strengths of the Titanium Times Credit Card is its value-added dining features. Cardmembers enjoy up to 15% discount at chain restaurants in upscale Indian cities, making it the perfect choice for foodies who enjoy eating out with family and friends. To this, add excellent discounts on movie tickets so that you can enjoy your favorite films at bargain rates.

Today, we are going to thoroughly discuss the benefits, pros, eligibility, cost and application procedure for the HDFC Bank Titanium Times Credit Card. Whether you are a foodie, a movie buff or simply someone who wants to earn money for every day spending, this card could be the perfect solution for your lifestyle.

What is the HDFC Bank Titanium Times Credit Card?

The HDFC Bank Titanium Times Credit Card is a credit card for individuals who enjoy eating out, shopping, and viewing. It is provided by HDFC Bank and features some rewards such as discounts, reward points, and cashback offers. The card is ideal for individuals who spend a lot of money on entertainment and daily needs.

This card allows you to get discounts at restaurants, offers on cinema tickets, and collect reward points on every transaction. You can redeem these reward points later to obtain gifts, vouchers, or discounts. This card also has security in the way of an EMV chip for fraud protection. This credit card makes you save money because you can avail your lifestyle.

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

The HDFC Bank Titanium Times Credit Card is designed with a modern and elegant look that appears professional and stylish. The card is typically dark in color, either black or dark grey, and has a shiny surface. The HDFC Bank logo appears on one side and the “Titanium Times” logo on the reverse.

The card also has an EMV chip on the front, providing additional security to your transactions. Your name and card number are embossed clearly, easy to use. The card, in general, has a smart and high-tech appearance that will appeal to young professionals as well as regular users.

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

The most significant benefits are as follows:

1. Reward Points Program:

• Regular Spending: Earn 2 Reward Points for each ₹ 150 spent on retail

• Weekday Dining: Earn 5 Reward Points for each ₹ 150 spent at dining from Monday to Friday. ​

• Reward Validity: The points may be converted within 2 years from the receiving date.

2. Entertainment Offers:

• Movie Offers: Get 25% off bookings for a movie made at BookMyShow with a redeem value of ₹350 per invoice.

3. Dining Offers:

• EazyDiner offers: Get an additional discount of up to ₹1,500 (up to 10% of your bill) if paid through EazyDiner using PayEazy.

4. Shopping and Lifestyle Discounts:

• Earn a 20% discount on shopping, wellness activities, and staying at partner-accredited hotels.

5. Fuel Surcharge Waiver:

• Earn 1% waiver of fuel surcharge on transaction of ₹400 to ₹4,000, up to maximum of ₹250 in a month.

6. Welcome Benefits:

• Times Prime Membership: Receive an annual Times Prime Membership free of cost after reaching 3 transactions within a calendar quarter.

• E-Vouchers: Receive welcome vouchers worth ₹5,000 in categories such as shopping, clothes, and restaurants.

7. Renewal Fee Waiver:

• Make a payment of ₹1,50,000 or more in one year and receive the renewal membership fee waived.

8. Other Features:

• Smart EMI: Pay large bills through small EMIs.

• Contactless Payments: Facilitates rapid and secure payments at the stores.

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

Here is a simple HDFC Titanium Times Credit Card fee breakup.

Joining Fee	₹500 plus applicable taxes
Annual Fee	₹500 plus applicable taxes (The annual fee is waived if you spend ₹1.5 lakh or more in the preceding year.)
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 3.75% per month (45% 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 Times Credit Card?

1. Age Requirement:

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

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

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 Times Credit Card?

The documents that you will have to submit to Get an HDFC Bank Titanium Times 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 Times Credit Card be used?

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

• With the HDFC Bank Titanium Times 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 Times Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Bank Titanium Times 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 Times Credit Card?

The credit limit of the HDFC Bank Titanium Times 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 Times 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 Bank Titanium Times Credit Card.

• Just hover your cursor on the HDFC Bank Titanium Times 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 Bank Titanium Times Credit Card.

• Request for the credit card application form for the HDFC Bank Titanium Times 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 Bank Titanium Times 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 Times Credit Card in 2025 be right?

Yes, HDFC Bank Titanium Times Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

HDFC Bank Titanium Times Credit Card is a shining and cost-effective solution for movie lovers, dine-out diners, and frequent shoppers. Not only do you receive great discounts on movie tickets and dining accounts if you carry the card, but you even earn reward points on almost all your purchases. The reward points can be retained and redeemed later to receive great gifts, vouchers, or discounts, which prove cost-saving in the long term.

The other good thing about this card is that its joining fee and yearly charge are extremely low. And to the best of it, if you make an expenditure of ₹1.5 lakh in a year or more, then your yearly charge gets waived off, so the Credit card is practically free to use. The card also offers you added security in the form of its smart chip and earns you online discounts, dining vouchers, and lifestyle rewards during the year.

Since you are most likely one of those people who charge entertainment and ordinary needs continuously, this card can be of limitless worth. But as with any credit card, use it wisely – pay bills in time and don’t spend more than your payment limit. In all, HDFC Bank Titanium Times Credit Card is a wonderful choice in 2025 for value seekers, savers, and lifestyle reward earners who desire everything in one card.

Frequently Asked Questions (FAQ’s)