HDFC Bank Times Titanium Review 2026: Fees, Rewards & Benefits
Check HDFC Times Titanium credit card features: 25% off on movies, 5x rewards on weekday dining, and free Times Prime membership. Is it worth the ₹500 fee?
The HDFC Times Titanium is a niche entry-level card best suited for those who frequently dine out on weekdays and watch movies. While the reward value is low, the Times Prime membership and movie discounts provide tangible value that can easily offset the annual fee.
The Best Entertainment Card in the Industry
The Bottom Line
The HDFC Bank Times Titanium is the HDFC Times Titanium is a niche entry-level card best suited for those who frequently dine out on weekdays and watch movies. While the reward value is low, the Times Prime membership and movie discounts provide tangible value that can easily offset the annual fee. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers 0.33% rewards on dining (weekdays) and a welcome benefit worth ₹5,000. For anyone researching hdfc bank times titanium credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.13333333333333336% and stacks best when your spending lines up with Movie Buffs, Weekday Diners. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealRegular 25% discount on BookMyShow and Times Prime benefits make it highly valuable for entertainment seekers.
The 5x reward rate on weekday dining is one of the highest in the entry-level segment.
Probably not for
SkipLack of lounge access and low base reward rate make it unsuitable for travel-heavy lifestyles.
The low redemption value of 10 paise per point significantly limits the return on high spends.
Is It Worth It For You?
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Reward Rates
HDFC Bank Times Titanium offers 0.13333333333333336% basic reward rate.
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Welcome Offer
Milestone Benefits
Annual renewal fee waiver.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Salaried: 21-60 years, Net Monthly Income > ₹25,000. Self-Employed: 21-65 years, ITR > ₹6 Lakhs per annum.
Exclusions & Terms
Fuel
- Excluded from rewards; eligible for surcharge waiver instead.
Wallet Loading
- Standard HDFC exclusion.
EMI Transactions
- SmartEMI and EasyEMI do not earn points.
Government Services
- Standard HDFC exclusion.
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Frequently Asked Questions
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