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Benefits and features of HDFC Titanium Edge Credit Card


Last Updated:   Category: General    
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HDFC Bank proudly offers its Titanium Edge Credit Card with multiple benefits, such as waiver of fuel surcharge, additional dining benefits and rewards 2 points for every Rs. 150 spend on shopping. It is associates with Master Card.



HDFC Bank proudly offers its Titanium Edge Credit Card with multiple benefits, such as waiver of fuel surcharge, additional dining benefits and rewards 2 points for every Rs. 150 spend on shopping. It is associates with Master Card.
It's a chip card but can be dipped at chip enabled POS machines and can be swiped at non-chip POS machines.

HDFC Titanium Edge Credit Card

Eligibility


  • Minimum age - 21 years (salaried & self-employed)

  • Maximum age - 60 years (salaried) & 65 years (self-employed)



Features & Benefits



Edge Rewards

Earn 2 Reward Points for every Rs. 150 spent. No points for spending less than Rs. 150 in a single transaction.
On accumulation of 100 Reward Points at any later stage, You can redeem them as CashBack of Rs. 40. This amount can be adjusted towards any outstanding balance on your credit card.
If you accumulate more points, You can also redeem them for exciting gifts & Airmiles from an exclusive rewards catalogue . You will get reward points Only on your retail purchases. Cash advance, Cash withdraw, Annual fees and other charges will not accumulate any reward points.

Power Dining

Earn 50% more reward points for spending on your Dining.

The additional points are subjected to the following condition, VISA/Master Card categorize the diners as 'Restaurants' Merchant Category Code (MCC) and 'Hotel' Merchant Category code. Cardholders get the 50% more Reward Points for only those transactions made at 'Restaurants' terminals rather than 'Hotel' terminals.


Fuel surcharge waiver
There will be no fuel surcharge for all fuel purchases between Rs. 400 and Rs. 5000 across all fuel stations.

Zero liability on lost card
In case, If you lose your Card, call HDFC 24 X 7 Customer Care and report it immediately. The executive will log a complaint, and you will not not be liable to on any fraudulent transactions made on your card.

Revolving Credit Facility
HDFC Titanium credit card Offers you a revolving Credit Facility at an interest rate of 3.15% per month.

Interest free credit facility
You can have 50 days of interest free period from the date of purchase.

Cash Advance
You can avail Cash Advance facility upto a limit of 40% of credit limit

Fees & Charges



Annual / Renewal Fee : Rs. 599
Cash advance charges : 2.5% on amount withdrawn or Rs 300/- whichever is higher.
Petrol surcharge : Waived for any transaction between Rs 400-5000
Railway Ticket Purchase : Rs 30 + 2.5% of transaction amount
Reissue of Lost or Damage card : Rs. 100 (It may increase when you lost more than once)
Late Payment charges : No charges till Rs. 100
Rs. 100 charges for o/s amount between Rs. 100 and Rs. 500
Rs. 350 charges for o/s amount between Rs. 501 and Rs. 10000
Rs. 500 charges for o/s amount between Rs. 10001 and Rs. 20000
Rs. 600 charges for o/s amount more than Rs. 20000

Charges on over-limit account : Rs. 500 or 2.50% of over-limit amount, which ever is higher
Outstation Cheque Processing : Rs. 50
Balance Transfer / Balance Transfer on EMI Processing Charges : 3% of BT on EMI Amount or Rs. 250 whichever is higher
Cash Processing Fees : Rs 50 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Minimum Repayment Amount : 5% subject to a minimum of Rs 200
Charges On revolving Credit : 3.15% P.M., 37.8% Annually - from Transaction date
Service Tax : 10.3% applicable on all fees, interest and other charges


Read related articles: HDFC credit card    

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