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M16S / HDFC Bank / JetPrivilege HDFC Bank Titanium Credit Card

entry · cobrand, travel

JetPrivilege HDFC Bank Titanium Credit Card

The JetPrivilege HDFC Bank Titanium Credit Card costs Rs 500 a year, waived if you spend Rs 2,00,000 in a year. It earns 2 InterMiles per Rs 150 on retail spends. Read from the issuer's own documents on 31 Oct 2026.

Annual fee
Rs 500+ GST
Fee waived at
Rs 2,00,000annual spend
Base return
—
Forex markup
—
Interest
3.75%a month

Fees

Joining feeRs 500
Annual feeRs 500
Annual spend that waives the feeunverifiedRs 2,00,000
Fee notesJoining Rs 500 + taxes; renewal Rs 500 + taxes from year 2, waived on Rs 2 lakh annual spend (the waiver line on the page names the Swiggy card, an apparent copy error).

Rewards

Reward currencyInterMiles
Base earn2 InterMiles per Rs 150 on retail spends
Accelerated earn4 InterMiles per Rs 150 on flights and hotels booked on the InterMiles site; 2.5X bonus InterMiles on Etihad tickets booked there
CapsInsurance spends: max 2,000 InterMiles per day
Spends that earn nothingPurchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion
Reward notesInterMiles once credited cannot be converted to Reward Points. base_return_pct not computed: no rupee value for an InterMile on the page.

Travel and perks

Fuel surcharge waiverA 1% convenience fee replaces the 2.5% fuel surcharge (limits not on page)
Other freebies5% off Etihad economy tickets on the InterMiles site; Rs 250 discount voucher on return flights booked there; up to 3 add-on cards

Charges and eligibility

Interest per month3.75%
EligibilityNo longer issued; sourcing stopped (product page)
Fine-print notesDiscontinued co-brand. The page is poorly maintained: the fee-waiver line names another card and the 1.99% monthly interest figure is the rate HDFC prints for its top-tier cards, so both are flagged as uncertain. Existing Mastercard plastics were to be renewed on Visa. The page states the InterMiles cards are phased out: holders were migrated to other HDFC cards in phases (Jan/Feb 2023, Dec 2023, Nov 2024) and all product features were discontinued from 15 Dec 2024. The benefits listed are historical. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.

Questions

What is the annual fee of the JetPrivilege HDFC Bank Titanium Credit Card?
Rs 500 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
Which spends earn no rewards on the JetPrivilege HDFC Bank Titanium Credit Card?
Purchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion