Save as you spend with HDFC Times Credit Card

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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.

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.

HDFC Times Credit Card: Features and Benefits

BenefitsHDFC Titanium Times Credit CardHDFC Platinum Times Credit Card
Welcome GiftEnjoy a bouquet of gift vouchers across shopping, apparel, dining, movies and many other categoriesEnjoy a bouquet of gift vouchers across shopping, apparel, dining, movies and many other categories
Movie and Dining DealsMovie discounts of INR 1800 or more in a year
Dining discounts of INR 4500 or more in a year
Movie discounts of INR 1800 or more in a year
Dining discounts of INR 9600 or more in a year
Fuel Surcharge Waiver1% fuel surcharge waiver on fuel transactions across all petrol pumps in India1% fuel surcharge waiver on fuel transactions across all petrol pumps in India
Attractive Rewards2 reward points on every INR 150 spent
5 reward points on every INR 150 spent on dining on weekdays
3 reward points on every INR 150 spent
10 reward points on every INR 150 spent on dining on weekdays
Contactless TechnologySimply wave your card at a secured reader and complete the transaction
Maximum transaction of INR 2000 for a single transaction using the contactless technology
Simply wave your card at a secured reader and complete the transaction
Maximum transaction of INR 2000 for a single transaction using the contactless technology
Zero Liability on Lost CardIn case your card is lost or stolen, report it within 24 hours and carry a zero liability on any fraudulent transactions made with your cardIn 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:

  1. Visit the official website of HDFC Bank and click on Products > Cards > Credit Cards
  2. 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
  3. Click on the ‘Apply Online’ button for your choice of card
  4. Fill in your details in the application form including PAN Card number and income, then hit ‘Submit’
  5. The bank will then verify your details and approve/reject your application depending on your financial credentials
  6. Once you have applied for the card, you can track your HDFC credit card application status online or call the HDFC customer care

Am I Eligible 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

HDFC Times Credit Card: Fees and Charges

Types of ChargeHDFC Titanium Times Credit CardHDFC Platinum Times Credit Card
Joining FeeINR 500INR 1000
Annual FeeINR 500INR 1000
Cash Advance Fee2.5% of the transaction amount2.5% of the transaction amount
Rewards Redemption FeeINR 99INR 99
Add-On Card FeeNilNil
Late Payment ChargeINR 100-950INR 100-950
Card Replacement FeeINR 100INR 100
Foreign Currency Transaction Fee3.5%3.5%
Balance Transfer Processing Charge1% of the balance transfer amount1% of the balance transfer amount
Over Limit Charge2.5% of the over limit charge2.5% of the over limit charge
Payment Return Charge2% of the total amount2% of the total amount
Cash Processing FeeINR 100INR 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 INR 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 INR 2,50,000 to get a waiver for the next year’s annual membership fee.

To know more about the HDFC Titanium Times Credit Card, you can visit this page.

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