vs
In short: IDFC First Select has the lower annual fee (none vs ₹500); IDFC First Select has the lower forex markup (0% vs 3.5%).
| Key facts | HDFC Titanium Times | IDFC First Select |
|---|---|---|
| Annual fee | ₹500 | None |
| Joining fee | ₹500 | None |
| Annual fee waived | On ₹1.5 lakh annual spend | Not listed |
| Base rewards | 2 Reward Points For Every ₹200 Spent | 3X Reward Points Up to Spends ₹20000 |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 0% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, IDFC First Select returns about ₹1,460 more a year after annual fees (₹1,200 vs ₹240 in rewards).
| Spend profile | HDFC Titanium Times | IDFC First Select |
|---|---|---|
| Reward value: top rate / base rate | 0.1% / 0.1% | 0.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹240 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹240 | ₹1,200 |
| Annual fee | ₹500 | None |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Titanium Times Credit Card MasterCard and the IDFC First Select Visa Credit Card cater to different user preferences with distinct fee structures, reward schemes, and travel benefits. HDFC Bank's card charges a joining and renewal fee with a waiver option, while IDFC First Select offers no fees. Reward points and redemption values also vary significantly, alongside perks like lounge access and forex markup.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Titanium Times Credit Card MasterCard | Idfc First Select Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | IDFC First Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 500 | No Joining Fees |
| Annual / renewal fee | Renewal Fee of Rs. 500 | No Annual Fee |
| Annual fee waiver | Spend Rs.1.5 Lakhs For Renewal Fee Waiver | — |
| Top reward rate | Earn 2 Reward Points For Every Rs.200 Spent | 3X Reward Points Upto Spends Rs.20000 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Rs.5000 Voucher | 5% Cashback on EMI |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 0% - Zero Forex Markup |
For rewards, the IDFC First Select Visa Credit Card clearly leads with a higher earning potential and better redemption value. It offers 3X reward points up to Rs. 20,000 in spends, with accelerated 10X points on crossing that threshold and special categories like birthday spends. Its reward points redeem at Rs. 0.25 each, making it more valuable. In contrast, the HDFC Bank Titanium Times card earns 2 reward points per Rs. 200 spent, redeemable at Rs. 0.1 per point, resulting in about Rs. 240 yearly rewards versus Rs. 1,200 for the IDFC card at Rs. 20,000 monthly spend.
Regarding travel benefits, the IDFC First Select card offers two complimentary domestic airport lounge accesses per quarter, which the HDFC Bank Titanium Times card does not list. Additionally, IDFC First Select has zero forex markup fees, making it more cost-effective for international transactions compared to HDFC Bank's 3.5% forex markup. Both cards provide a 1% fuel surcharge waiver, but IDFC's superior lounge access and forex policy make it more travel-friendly.
In terms of fees, the IDFC First Select card is more beginner and budget-friendly with no joining or annual fees. The HDFC Bank Titanium Times card charges Rs. 500 for joining and renewal, though the renewal fee can be waived with Rs. 1.5 lakh annual spend. For users wary of upfront costs and seeking straightforward fee structures, the IDFC card offers better value.
IDFC First Select Visa Credit Card offers a higher reward redemption rate of Rs. 0.25 per point compared to HDFC Bank Titanium Times Credit Card's Rs. 0.1 per point, significantly enhancing the value of earned points.
The IDFC First Select card charges zero forex markup, beneficial for international transactions, whereas the HDFC Bank Titanium Times card applies a 3.5% forex markup fee.
IDFC First Select provides two complimentary domestic airport lounge visits per quarter, a travel convenience not listed for the HDFC Bank Titanium Times card.
Consider HDFC Bank Titanium Times Credit Card MasterCard if you prefer a simple flat reward structure with a welcome voucher worth Rs. 5,000 and can meet the Rs. 1.5 lakh annual spend to waive the renewal fee. It may suit those who want a straightforward MasterCard option and value the welcome benefit.
Consider Idfc First Select Visa Credit Card if you want a no-fee card with strong reward points earning potential, better redemption rates, and travel perks like complimentary domestic lounge access and zero forex markup. It is well suited for frequent travelers and those looking to maximize rewards on varied spends.
Yes, the renewal fee of Rs. 500 is waived if you spend Rs. 1.5 lakhs annually.
The IDFC First Select Visa Credit Card has zero forex markup charges.
HDFC Bank Titanium Times offers a Rs. 5,000 voucher on activation, while IDFC First Select provides 5% cashback on the first EMI transaction and a Rs. 500 welcome voucher on spending Rs. 5,000 within 30 days.
IDFC First Select Visa Credit Card offers 2 complimentary domestic airport lounge accesses per quarter; lounge access is not listed for the HDFC Bank Titanium Times card.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.
HDFC Bank Titanium Times card earns 2 reward points per Rs. 200 spent, while IDFC First Select offers 3X points up to Rs. 20,000 spends, 10X points beyond that, and bonus points on specific categories.