# HDFC Bank Titanium Times Credit Card MasterCard

**Best for:** Frequent grocery and dining spenders

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 2 Reward Points on groceries · 2.5X Rewards on dining expenses · Complimentary Times Prime Membership included

## Fees

- **Joining Fee:** Joining Fee of Rs. 500
- **Annual Fee:** Renewal Fee of Rs. 500
- **Fee Waiver:** Spend Rs.1.5 Lakhs For Renewal Fee Waiver
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 2 Reward points per Rs.150 For Utility Transactions
- **Welcome Benefit:** Welcome Benefit - Rs.5000 Voucher

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