Key Benefits
2 RP/Rs. 150, 50% extra on dining, fuel surcharge waiver
Lounge Access
No lounge access available
Eligibility
Age 21-60, min income Rs. 12,000/month, CIBIL 700+
The HDFC Titanium Edge Credit Card is a basic entry-level card best suited for individuals who want a no-frills credit card with dining rewards. While its reward rate is modest, the zero joining fee and easy annual fee waiver make it pocket-friendly. However, the card has been discontinued for new applications, so existing holders may want to consider upgrading to better HDFC cards like the MoneyBack+ or Millennia.
Best For
First-time credit card users looking for an affordable card with basic rewards and dining benefits.
Not Ideal For
Frequent travelers, premium shoppers, or anyone seeking lounge access, high reward rates, or comprehensive insurance.
All Spends
Dining
Insurance Premium
Redeem your points for cashback, travel, and more
Cash Credit Against Outstanding
No redemption fee for cashback. Min 2,500 points.
HDFC Rewards Catalogue
Rs. 99 redemption fee per request. Delivered to registered address.
Air Miles
Reward points can be redeemed for air miles via the HDFC rewards portal.
Annual/renewal fee of Rs. 500 waived on spending Rs. 50,000 in the previous anniversary year.
Spend ₹50,000 within 365 days
value
Rs. 1,000 CashBack on shopping in-app via PayZapp over 200+ brands.
value
Up to Rs. 250 fuel surcharge savings per billing cycle (Rs. 3,000 per year).
value
Dining
50% extra reward points on all dining transactions (MCC Restaurant).
Custom
Extra CashBack and Reward Points on PayZapp utility bills and mobile recharge.
See how this card performs in different spending categories compared to other cards.
The HDFC Titanium Edge Credit Card is one of the most basic credit cards offered by HDFC Bank. Designed for individuals entering the world of credit cards, it provides a straightforward reward points system, dining privileges, and essential benefits like fuel surcharge waivers and insurance coverage.
With a zero joining fee and the option to make it lifetime free by spending Rs. 50,000 annually, this card is targeted at budget-conscious consumers who want a reliable credit card without premium pricing. Note that HDFC Bank has discontinued new applications for this card, though existing cardholders continue to enjoy all benefits.
The HDFC Titanium Edge Credit Card is an entry-level rewards credit card from HDFC Bank that offers a simple earn-and-redeem system. It earns 2 Reward Points for every Rs. 150 spent on retail purchases, with an enhanced earning rate of 3 Reward Points per Rs. 150 on dining transactions.
Earn 2 Reward Points for every Rs. 150 spent on retail transactions. On dining expenses (Restaurant MCC), you earn 50% more Reward Points (3 RP per Rs. 150), making dining out more rewarding.
Each Reward Point is worth Re. 0.10. You can redeem 100 Reward Points = Rs. 10 as cashback against your outstanding credit card balance, or choose from the HDFC Rewards catalogue for gifts and air miles.
Get a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000. The maximum waiver is capped at Rs. 250 per billing cycle. Note that reward points are not earned on fuel transactions.
The card includes complimentary Accidental Death Insurance cover of up to Rs. 50 lakh and Fire and Burglary cover of up to Rs. 2 lakh on purchases above Rs. 5,000, applicable when you make a minimum of 4 transactions per month.
Protected with EMV Chip technology for secure transactions. Zero liability protection for fraudulent transactions when reported immediately to HDFC Bank 24/7 Call Centre.
The card supports contactless payments at retail outlets. Transactions up to Rs. 5,000 do not require a PIN.
The HDFC Titanium Edge Credit Card does not offer any specific welcome benefits or welcome bonus points.
The HDFC Titanium Edge Credit Card does not offer any airport lounge access benefits, either domestic or international. This is an entry-level card without lounge privileges.
If you need lounge access, consider upgrading to HDFC cards like the Regalia, Diners Club Premium, or Infinia.
The HDFC Titanium Edge Credit Card uses a simple reward points system:
1 Reward Point = Re. 0.10 (10 paise). This means 100 Reward Points = Rs. 10 when redeemed as cashback.
Reward Points are valid for 2 years from the date of accrual. Minimum 2,500 points required for redemption.
| Fee Type | Amount |
|---|---|
| Joining Fee | NIL |
| Annual/Renewal Fee | Rs. 500 + GST (waived on Rs. 50,000 annual spend) |
| Interest Rate | 3.49% per month (41.88% per annum) |
| Interest-Free Period | Up to 50 days |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Cash Advance Limit | 40% of credit limit |
| Over Limit Fee | 2.5% of overlimit amount, min Rs. 550 |
| Late Payment Fee | NIL to Rs. 1,300 (slab-based on outstanding) |
| Foreign Currency Markup | 3.5% |
| Reward Redemption Fee | Rs. 99 per request (free for cashback) |
| Card Replacement | Rs. 100 |
| Cheque Return Fee | 2% of amount, min Rs. 450 |
| Railway Booking Fee | 1% of transaction + GST |
| Statement Copy | Rs. 100 |
| Rent Payment | 1% processing fee, max Rs. 3,000 |
| Cash Processing Fee | Rs. 100 |
Note: HDFC Bank has stopped accepting new applications for the Titanium Edge Credit Card. Existing cardholders continue to enjoy all benefits.
HDFC Bank has discontinued new applications for the Titanium Edge Credit Card. If you are an existing cardholder, your card and benefits continue as normal.
You can manage your card through the following channels:
If you were looking to apply for this card, explore HDFC Bank alternatives like MoneyBack+, Millennia, or Freedom credit cards.
The HDFC Titanium Edge Credit Card is a straightforward, no-frills entry-level credit card that serves well for individuals who want basic reward points and dining privileges without paying high fees. With zero joining fee and an easily achievable annual fee waiver at Rs. 50,000 annual spend, it is one of the most affordable HDFC cards.
However, the card has been discontinued for new applications, and its reward rate of 0.13% (base) to 0.20% (dining) is quite low compared to newer HDFC cards. Existing cardholders should consider upgrading to cards like MoneyBack+, Millennia, or Regalia for better rewards, lounge access, and additional benefits. The card is best suited for those who want a simple credit card primarily for dining and everyday purchases.
Last updated: 1 February 2026
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