The HDFC Titanium Times Mastercard has a ₹500 annual fee (waived on ₹1.5 lakh annual spend), earns 2 Reward Points For Every ₹200 Spent and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹1.5 lakh annual spend |
| Base rewards | 2 Reward Points For Every ₹200 Spent |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
187 online offers across 85 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Mastercard network offers, so they apply to every HDFC Bank Mastercard card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank Titanium Times Credit Card MasterCard
Is the HDFC Bank Titanium Times Credit Card MasterCard worth it in 2026?
The HDFC Bank Titanium Times Credit Card MasterCard offers 2 Reward Points for every Rs. 200 spent with a joining and renewal fee of Rs. 500 each. If you spend Rs. 1.5 Lakhs annually, the renewal fee is waived, making it cost-effective for regular users.
Who should get the HDFC Bank Titanium Times Credit Card MasterCard?
This card is ideal for individuals who spend regularly and can reach the Rs. 1.5 Lakhs annual spend to waive the renewal fee. Frequent shoppers looking to earn steady reward points on everyday purchases will benefit the most.
How to maximise rewards on the HDFC Bank Titanium Times Credit Card MasterCard?
To maximise rewards, ensure your total annual spend reaches Rs. 1.5 Lakhs to get the renewal fee waived. Use the card for all purchases to earn 2 Reward Points for every Rs. 200 spent, accumulating points faster.
What purchases give the best value on the HDFC Bank Titanium Times Credit Card MasterCard?
All purchases earn the same rate of 2 Reward Points per Rs. 200 spent, so using the card for high-value transactions and regular expenses will give the best value and help reach the fee waiver threshold.