HDFC Bank Titanium Times
Keep₹5,000 of welcome vouchers, Times Prime, and ten paise a point after that.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Welcome vouchers worth ₹5,000 across shopping, apparel and dining — released on activating the card within 30 days of issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹13,000 a month
At ₹13,000 a month — ₹1,56,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against a fee of ₹0 — the ₹500 is waived, the spend having cleared ₹1,50,000 a year = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #763
Why #763 A ₹500 entertainment card carried by its welcome vouchers and an annual Times Prime membership — the swipe earn is a tenth of a percent, because HDFC prices this card's point at ten paise and says so outright.
HDFC prints the rate in one sentence on the product page: "The redemption rate is 1 Reward Point = ₹0.1." Points offset the outstanding balance with a ₹500 minimum redemption, or go to the MyRewards catalogue, and they are valid two years from accrual. Accrual itself is capped at 25,000 Reward Points in a statement cycle, insurance spends at 2,000 points a day, and grocery at 1,000 points a month.
The take
Titanium Times was the entry rung of HDFC's Times co-brand and it was never really a rewards card — the point is worth ten paise, HDFC says so in plain words, so two Reward Points per ₹200 is a tenth of a percent and even the weekday restaurant bonus only reaches a quarter of one. What it actually sold was entertainment and a bundle: welcome vouchers worth ₹5,000 for activating inside 30 days, an annual Times Prime membership unlocked by three transactions in a calendar quarter — which is Gaana Plus, SonyLIV, TOI+, Myntra, Chaayos and Uber — 25% off movie tickets on BookMyShow up to ₹350 a transaction, a ₹1,500 discount on EazyDiner through PayEazy, and up to 20% off shopping, wellness and hotel stays with city-specific partners. Against ₹500 that is a good year one and a thinner year two. The exclusion list is unusually punitive: fuel, EasyEMI and e-wallet loads earn nothing, and points already earned are REVERSED if you later convert a retail purchase to SmartEMI. The upper tier of the same co-brand is Times Platinum at ₹1,000. HDFC has stopped sourcing both. Note the fee waiver: neither the product page nor the fees page publishes one, and the bank's August 2026 Key Fact Statement puts it at ₹1.5 lakh of annual spend, which is a lot of spend to reverse ₹500.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
The waiver ₹1,50,000 of spend in the year before renewal — about ₹12,500 a month — and the renewal fee is not charged.
Break-even ₹13,000 a month — ₹1,56,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹300 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹600 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,200 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,600 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
HDFC Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Welcome vouchers worth ₹5,000 for activating the card within 30 days
- Complimentary annual Times Prime membership — Gaana Plus, SonyLIV, TOI+, Myntra, Chaayos and Uber
- 25% off movie tickets on BookMyShow, up to ₹350 a transaction
- 5 Reward Points per ₹200 on weekday restaurant spends — a quarter of one percent at HDFC's own ₹0.10 a point
- ₹1,500 off EazyDiner through PayEazy, plus six months of complimentary membership
- Up to 20% off shopping, wellness and hotel stays with city-specific partners
Watch out
- Withdrawn — HDFC states "Sourcing of this Credit Card has been stopped" and takes no new applications
- A Reward Point is ten paise, which HDFC states outright — the 2-per-₹200 headline is 0.1%
- Reward Points are REVERSED if a retail transaction is later converted to SmartEMI
- Fuel, EasyEMI and e-wallet loading transactions earn nothing
- The Times Prime membership needs three transactions in a calendar quarter to unlock
- The fee waiver is ₹1.5 lakh of annual spend per the Key Fact Statement — and neither of the card's own pages publishes one at all
- Accrual is capped at 25,000 Reward Points a statement cycle, insurance at 2,000 a day and grocery at 1,000 a month
- A statement redemption needs points worth at least ₹500
What these points actually fly
HDFC Reward Points move to Avianca LifeMiles , Air France-KLM Flying Blue , Etihad Guest , United MileagePlus , Air India Maharaja Points , AirAsia Rewards , SpiceJet SpiceClub , Accor Live Limitless (ALL) , Marriott Bonvoy , Club ITC , IHG One Rewards , Radisson Rewards and Wyndham Rewards — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,50,000 a year is the bar that waives the ₹500 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. HDFC Bank states what the HDFC Bank Titanium Times earns, but has not published which spend categories count toward the fee waiver — the ₹1,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. HDFC prints "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits" and adds "We are currently not accepting new applications for the HDFC Titanium Times Credit Card." The welcome vouchers were activation-gated — the card had to be used within 30 days of issuance — so a holder who never activated never received them.
HDFC Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
- 8 Sept 2026Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product
- 1 Sept 2026SmartBuy moves Amazon Pay gift cards to 1X under Insta Deals
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
Every HDFC Bank change we've dated → 37 events since 2001, 23 of them nerfs — worst year 2026.
Verified against HDFC Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Titanium Times product page — the sourcing-stopped notice, the ₹0.10 redemption rate, the ₹5,000 welcome vouchers, the Times Prime membership and the SmartEMI reversal rule
- official HDFC's 15 May 2026 rewards, fees and charges update — the revised accrual table that sets "Times Titanium" at 2 Reward Points per ₹200
- official Fees and charges — ₹500 joining and renewal, with no waiver threshold published on the page