What is the annual fee of the HDFC Times Titanium Credit Card?

Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.

Does the HDFC Times Titanium Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the HDFC Times Titanium Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HDFC Times Titanium Credit Card?

No points on fuel, rent, government spends, wallet loads, EMI (MITC and aggregator)

M16S / HDFC Bank / HDFC Times Titanium Credit Card

entry · cobrand, rewards

HDFC Times Titanium Credit Card

HDFC Bank · with Times InternetMastercardLast checked 11 Oct 2026closed to new applicants

The HDFC Times Titanium Credit Card costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. It earns 2 RP per Rs 150. Accelerated earn: 5 RP per Rs 150 on weekday dining. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 500+ GST
Fee waived at: Rs 1,50,000annual spend
Base return: —
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining feeunverified	Rs 500
Annual fee	Rs 500
Annual spend that waives the fee	Rs 1,50,000
Fee notes	Rs 500 with waiver on Rs 1.5 lakh annual spend (MITC). Aggregator shows nil joining fee.

Rewards

Welcome benefitunverified	Times Prime membership and e-vouchers (aggregator)
Reward currency	Reward Points
Base earn	2 RP per Rs 150
Point value	Not stated
Accelerated earn	5 RP per Rs 150 on weekday dining
Caps	Max 25,000 RP per statement cycle; grocery 1,000 RP/month (MITC)
Spends that earn nothing	No points on fuel, rent, government spends, wallet loads, EMI (MITC and aggregator)
Points expiry	2 years
Reward notes	Redemption fee Rs 99 + GST. Point value not found, so base return not computed.

Travel and perks

Domestic lounge	None
International lounge	None
Forex markup	3.5%
Fuel surcharge waiver	1% on txns Rs 400-5,000, cap Rs 250 per cycle (MITC)
Other freebiesunverified	25% off BookMyShow movie tickets; dining discounts

Charges and eligibility

Interest per month	3.75%
Late payment fee	On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)
Cash advance fee	2.5% of amount, min Rs 500
Eligibility	Closed to new applicants
Fine-print notes	Forex markup rose from 2% to 3.5% on 10 Feb 2024 (MITC footnote). Legacy Times co-brand. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.

Questions

What is the annual fee of the HDFC Times Titanium Credit Card?: Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
Does the HDFC Times Titanium Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the HDFC Times Titanium Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Times Titanium Credit Card?: No points on fuel, rent, government spends, wallet loads, EMI (MITC and aggregator)