save as you spend with HDFC Times credit card
spend securely while saving a whole lot.
how to save when you’re born to spend? HDFC Times credit card is at your rescue. the credit card offers benefits across categories such as shopping, dining, apparel, and more. there are two types of HDFC Times credit card - Titanium Times card and Platinum Times card. to earn additional benefits, make your HDFC credit card payment via CRED.
this article will take you through the benefits, step-by-step application process, eligibility criteria, and fees and charges of the HDFC Times credit card.
benefits | HDFC Titanium Times credit card | HDFC Platinum Times credit card |
|---|---|---|
welcome gift | enjoy a bouquet of gift vouchers across shopping, apparel, dining, movies and many other categories | enjoy a bouquet of gift vouchers across shopping, apparel, dining, movies and many other categories |
movie and dining deals | movie discounts of ₹1,800 or more in a year | movie discounts of ₹1,800 or more in a year |
fuel surcharge waiver | 1% fuel surcharge waiver on fuel transactions across all petrol pumps in India | 1% fuel surcharge waiver on fuel transactions across all petrol pumps in India |
attractive rewards | 2 reward points on every ₹150 spent | 3 reward points on every ₹150 spent |
contactless technology | simply wave your card at a secured reader and complete the transaction | simply wave your card at a secured reader and complete the transaction |
zero liability on lost card | in case your card is lost or stolen, report it within 24 hours and carry a zero liability on any fraudulent transactions made with your card | in case your card is lost or stolen, report it within 24 hours and carry a zero liability on any fraudulent transactions made with your card |
how do i apply for HDFC Times credit card?
the process of applying for the Titanium as well as Platinum Times credit card is the same as explained in these steps:
- visit the official website of HDFC Bank and click on products > cards > credit cards
- you will find the Titanium Times credit card in the ‘co-brand cards’ category and the Platinum Times credit card in the ‘featured cards’ category
- click on the ‘apply online’ button for your choice of card
- fill in your details in the application form including PAN card number and income, then hit ‘submit’
- the bank will then verify your details and approve/reject your application depending on your financial credentials
- once you have applied for the card, you can track your HDFC credit card application status online or call the HDFC customer care
eligibility criteria for HDFC Times credit card
- salaried individuals: must be between 21-60 years
- self-employed individuals: must be between 21-65 years
what documents do i require to apply for the card?
- identity proof: PAN card/Aadhaar card/driving license/voting card (any one of these documents is required)
- address proof: passport/telephone bill/electricity bill/other utility bills (any one of these documents is required)
- passport-sized coloured photographs
- bank statement of last quarter
- income proof: latest Income Tax Return or latest salary slip
types of charge | HDFC Titanium Times credit card | HDFC Platinum Times credit card |
|---|---|---|
joining fee | ₹500 | ₹1,000 |
annual fee | ₹500 | ₹1,000 |
cash advance fee | 2.5% of the transaction amount | 2.5% of the transaction amount |
rewards redemption fee | ₹99 | ₹99 |
add-on card fee | nil | nil |
late payment charge | ₹100-₹950 | ₹100-₹950 |
card replacement fee | ₹100 | ₹100 |
foreign currency transaction fee | 3.5% | 3.5% |
balance transfer processing charge | 1% of the balance transfer amount | 1% of the balance transfer amount |
over limit charge | 2.5% of the over limit charge | 2.5% of the over limit charge |
payment return charge | 2% of the total amount | 2% of the total amount |
cash processing fee | ₹100 | ₹100 |
frequently asked questions (FAQs)
what are the security benefits of this card?
this card has an embedded microchip that is encrypted and provides enhanced security and protection against fraudulent transactions. this card can be used at chip-enabled terminals, the system validates the chip ensuring the security of your transaction.
how can i see the details of all transactions made on my credit card?
- login to the netbanking account with your user ID and password.
- click on ‘view unbilled transactions’ on the left-hand side.
- select your credit card number and the type of transactions you wish to see.
- click on the ‘view’ link.
can HDFC Times credit card be used for online transactions?
yes, you can use these cards for online transactions. to use the card online, it needs to be registered for ‘MasterCard SecureCode’ which ensures safe online transactions.
what is the interest-free period on these cards?
the interest-free period is up to 50 days from the date of purchase.
what is the validity of reward points on HDFC Titanium and Platinum Times credit card?
the reward points accrued on both the credit cards are valid for 2 years.
is there any benefit of annual fee waiver?
yes, both HDFC Titanium and HDFC Platinum credit card provides you with the benefit of an annual fee waiver. you can spend ₹1,50,000 in a year and get a waiver for the next year’s annual membership fee for HDFC Titanium Times credit card. in the case of HDFC Platinum Times credit card, you have to spend ₹2,50,000 to get a waiver for the next year’s annual membership fee.