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Side-by-Side Comparison|Updated March 2026

HDFC Bank Times Platinum vs HDFC Bank Times Titanium

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Times Platinum

6.8/10
Annual Fee₹1,000
Base Rewards0.15%
NetworkVisa
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HDFC Bank

HDFC Bank Times Titanium

6.5/10
Annual Fee₹500
Base Rewards0.13333333333333336%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Times PlatinumHDFC Bank Times Titanium
Annual Fee₹1,000₹500
Joining Fee₹1,000₹500
Fee Waiver Spend₹2,50,000₹1,50,000
Base Reward Rate0.15%0.13333333333333336%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating6.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Times Platinum

No accelerated rewards listed

HDFC Bank Times Titanium

  • 0.33% on Dining (Weekdays)

Pros & Cons

HDFC Bank Times Platinum

Pros

  • 50% discount on movie tickets via BookMyShow up to ₹600 per transaction.
  • Accelerated 10 Reward Points per ₹150 spent on weekday dining (Mon-Fri).
  • Complimentary 1-year Times Prime membership providing access to SonyLIV, ZEE5, and more.
  • Welcome vouchers worth ₹5,000 across shopping and dining categories.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of ₹0.15 per point.
  • High annual fee waiver threshold of ₹2.5 Lakhs compared to benefits.

HDFC Bank Times Titanium

Pros

  • Complimentary annual Times Prime membership worth ₹1,199
  • 25% discount on movie tickets via BookMyShow up to ₹350 per transaction
  • Accelerated 5 Reward Points per ₹150 on weekday dining (Mon-Fri)
  • Welcome vouchers worth ₹5,000 across dining, shopping, and apparel

Cons

  • Very low reward point value (1 RP = ₹0.10)
  • No complimentary airport lounge access
  • Reward points are not earned on fuel, wallet loads, or EMI transactions

Our Verdict

HDFC Bank Times Platinum edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Times Titanium could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Times Platinum if

Frequent movie-goers can save up to ₹2,400 monthly with the 50% BookMyShow discount.

Choose HDFC Bank Times Titanium if

Regular 25% discount on BookMyShow and Times Prime benefits make it highly valuable for entertainment seekers.

Frequently Asked Questions

Which is better: HDFC Bank Times Platinum or HDFC Bank Times Titanium?
HDFC Bank Times Platinum edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Times Titanium could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Times Platinum and HDFC Bank Times Titanium?
HDFC Bank Times Platinum has an annual fee of ₹1,000, while HDFC Bank Times Titanium has an annual fee of ₹500. HDFC Bank Times Platinum offers a fee waiver on ₹2,50,000 annual spend. HDFC Bank Times Titanium offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: HDFC Bank Times Platinum or HDFC Bank Times Titanium?
HDFC Bank Times Platinum offers a base reward rate of 0.15%. HDFC Bank Times Titanium offers 0.13333333333333336% base rewards with bonuses on Dining (Weekdays). The better choice depends on your primary spending categories.
Can I have both HDFC Bank Times Platinum and HDFC Bank Times Titanium?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Times Platinum and HDFC Bank Times Titanium can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Times Platinum or HDFC Bank Times Titanium?
For beginners, HDFC Bank Times Titanium may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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