credit-cards

Features of Titanium Credit Cards 1 in India

Titanium Credit Cards Part-1

Titanium credit cards are premium cards. They come with a load of privileges and benefits. The key feature of a Titanium credit card is the Titanium Rewards program offered by Bank. It includes accrual of rewards points, redemption for gifts and air miles, cashback offers, etc.

Other privileges of Titanium credit card are surcharge waivers, revolving credit, interest free credit period, annual fee reversals, insurance, add-on card facility, lifestyle and dining benefits, wellness and beauty offers, welcome gifts in the form of vouchers from top retail brands, etc.

Here 6 Different Titanium Credit Cards has been discussed. Another 6 Titanium Credit Cards will be discussed in upcoming article.

Some of the Titanium Credit Cards:

    1. BOB Titanium Master Credit Card.
    2. Axis Bank Titanium Smart Traveler Credit Card.
    3. HDFC Titanium Edge Credit Card.
    4. HDFC Titanium Times Credit Card.
    5. ICICI Bank Titanium Credit Card.
    6. RBL Titanium Delight Card.

1. BOB Titanium Master Credit Card.

Features and Benefits:

  • Cash withdrawal Limit : Maximum 30% of Credit Limit
  • Interest Rate (service charges): 2.5% p.m. (Annual Percentage Rate APR 30%)
  • In built Free Personal Accidental Death Coverage:
    • Air Accidental Death :Rupees5, 00,000
    • Other Accidental Death (other than Air Accidental Death) : Rs. 1, 00,000.
  • 1 Loyalty point on purchase of Rs. 100, Except for cash/Petrol Transactions.

Eligibility: 

  • Annual income: Minimum Rs. 2, 00,000 & above
  • Age Limit : 18 to 65 years

Fees And Charges:

  • Membership /Joining Fee: Rs. 250
  • Annual fee: Rs. 500/- + 18 % GST.
  • Annual fee is waived on spend of Rs. 25,000 in a year and regular payments.
  • Cheque Return Charges : 2% or min Rs. 300/- whichever is higher
  • Late Payment charges Outstanding
    • 1. Up to Rs..500–NIL,
    • 2. Rupees. 501 to Rupees. 25,000- Rs. 300/- and 
    • 3. AboveRupees. 25, 001- Rs. 500/

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement

    2. Axis Bank Titanium Smart Traveler Credit Card.

Features and Benefits:

  • 8 points on Rs. 200 spent during abroad travel.
  • 4 points on Rs. 200 spent on hotels, holiday packages, airlines, train and bus bookings in India
  • 2 points on every Rs. 200 spent in India
  • On any transaction over Rs. 2,500, can be converted into EMIs.
  • 1% fuel surcharge waiver maximum upto Rupees. 400 per month on transactions between Rs. 400 and Rs. 4,000. GST charged on fuel surcharge is non-refundable.
  • No Rewards Points will be on fuel spends, balance transfer, cash withdrawal and transactions converted to EMI. 

 Eligibility:

  • Age Limit Between 18 to 70 years
  • Should either be a Resident of India or Non-Resident Indian

Fees And Charges:

  • Joining Fee: 250 (Waived on spends of Rs. 2500 within 45 days of card setup),
  • Annual Fee: Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50000 in the preceding year),
  • Standard Add-on Card Joining And Annual Fee: Nil
  • Finance Charges (Retail Purchases & Cash): 3.25% per month (46.78% per annum)
  • Cash Withdrawal Fees: 2.5% (Min. Rs 250) of the Cash Amount
  • Fee for Cash Payment: Rs. 100/-
  • Late Payment Fee
    • Total Payment Due is upto Rs. 100: Nil
    • Between Rs. 101 – Rs. 300: Rs . 100
    • Between Rs. 301 – Rs. 1000: Rs . 300
    • Between Rs. 1001 – Rs. 5000: Rs . 500
    • Between Rs. 5001 – Rs. 20000: Rs . 600
    • Rs. 20001 and above: Rs . 700
  • Over Limit Penalty: Rs 500 or 3% of the overlimit whichever is higher.
  • Cheque return panalty: Rs 300
  • Foreign Currency Transaction Fee: 3.50% of transaction value

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement.

3. HDFC Titanium Edge Credit Card.

Features and Benefits:

  • 2 Reward Points on Rs 150 spent and 3 reward point on dining spends
  • Rewards Point can be converted in to cashback Rs. 10 for every 100 Reward Points.
  • 1% Fuel Surcharge waived off limited to Rs. 250 in every billing cycle on fuel transactions. Required Minimum transaction of Rs. 400.
  • Cash Advance, fees, fuel transactions and other charges do not qualify for Reward Points. Transaction amount less than Rs. 150 will not earn Reward Points.
  • Spend 50,000 in a year and get next year’s annual membership fee waived of.
  • Zero Liability on lost card:
    In the case of card lost, report it immediately to our 24-hour call centre. After reporting the loss, there is zero liability on any fraudulent transactions on card.
  • Revolving Credit Facility:
    This card offers Revolving Credit on Credit Card at nominal interest rate.
  • Interest-free credit facility:
    Up to 50 days of interest free period from the date of purchase.

Fees and Charges:

  • Annual / Renewal fee charges applicable on Credit Card is 500 Per Year plus 18% GST.

Eligibility:

  • Salaried Employee : Age Limit 21 to 60 years
  • Self Employed : Age Limit 21 to 65 years

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement.

4. HDFC Titanium Times Credit Card.

Features and Benefits:

  • 2 Reward Points on Rs 150 spent and 5 Reward Points on dining spends on weekdays (Mon-Fri)
  • 25% off on movies and up to 15% off on dining. (at participating outlets)
  •  Bouquet of discount vouchers as welcome gift
  • Cash Advance, fees, fuel transactions and other charges do not qualify for Reward Points. Transaction amount less than Rs. 150 will not earn Reward Points.
  • Spend 1,50,000 in a year and get next year’s annual membership fee waived of.
  • Zero Liability on lost card:
    In the case of card lost, report it immediately to our 24-hour call centre. After reporting the loss, there is zero liability on any fraudulent transactions on card.
  • Revolving Credit Facility:
    This card offers Revolving Credit on Credit Card at nominal interest rate.
  • Interest-free credit facility:
    Up to 50 days of interest free period from the date of purchase.

Fees and Charges:

  • Annual / Renewal fee charges applicable on Credit Card is 500 Per Year plus 18% GST.

Eligibility:

  • Salaried Employee : Age Limit 21 to 60 years
  • Self Employed : Age Limit 21 to 65 years

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement.

    5. ICICI Bank Titanium Credit Card.

 Features and Benefits:

  • Earn 2 PAYBACK points on every Rs.100 spent on other transactions (except fuel)
  • About 15% savings on dining bills at restaurants across India through Culinary Treats Program.
  • A complete waiver of 1% on fuel surcharge every time you refuel – The offer is valid for maximum spend of Rs. 4000 per transaction at HPCL pumps. Payment should be made by swiping the card on ICICI Merchant Services swipe machines only to avail this offer..

Fees and Charges:

  • A Joining Fee of Rs. 1,000 + 18% GST
  • Annual Fee of Rs. 500 + goods and services tax from 2nd year onwards – waived off if spends are more than Rs 1,50,000 in the previous year

 Eligibility:

  • Salaried Employee : Age Limit between 21 years to 60 years
  • Self Employed : Age Limit between 21 years to 65 years

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement

 6. RBL Bank Titanium Delight Card.

 Features and Benefits:

  • 2000 Reward points on 1st swipe and 1000 additional points on spends of Rs. 10,000 within 60 days.
  • 1 reward point for every Rs. 100 spent on all your purchases like travel, groceries, dining and even your electricity bill
  • 4000 bonus reward points on annual spends of Rs.1.2 lakhs or more in a year.
  • Fuel surcharge Waiver at all fuel stations Valid for fuel transactions between Rs.500 and Rs. 4000. Maximum waiver of Rs.100 per month.
  • 1 Free movie ticket on BookMyShow once a month on a Wednesday with 1.
  • Buy groceries and pizza from Domino’s/Pizza Hut online on Wednesdays and get 5% and 10 % value back Respectively Value back will be credited as reward points i.e. 20 Reward points for every Rs. 100 spent on groceries on Wednesdays and 40 Reward Points for every Rs. 100 spent at Pizza Hut/ Dominoes online on Wednesdays.
  • 2nd year onwards membership fee is waived if spends in the previous year of Rs.1 lac.

Fees and Charges:

  • A Joining Fee of Rs. 750 + 18% GST
  • Annual Fee of Rs. 750 + goods and services tax from 2nd year onwards – waived off if spends are more than Rs 1,00,000 in the previous year

Documentation:

  • 1. Identity Proof : Copy of Passport/PAN Card/UID/Driving License/Voter’s Identity Card
  • 2. Income Proof : Latest Income Tax Return/Form -16/ Salary slip (Only in case of Govt. /PSU sector employees)
  • 3. Address Proof : Copy of Passport/Electricity/Fixed Line Bill/UID/Bank passbook of PSU Bank
  • 4. Color Photograph
  • 5. Copy of PAN Card
  • 6. Last 3 months bank Statement

For other Titanium Credit Cards Click Here>>>

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