credit-cards

Features of Titanium Credit Cards 2 In India

Titanium Credit Cards 2:

We have already posted one article related to features of Titanium credit cards. We were not able to publish all the credit cards available in market but had posted some of the best titanium cards in that article. Again here is the article related to some other best Titanium credit cards available in India.

We know that Titanium Credit cards are comes along 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.

Fees and eligibility are checked at the time of application and are depends on financial position of the applicants. they are not fix in some of the credit cards. this article is basically for comparison purpose only. detailed terms and conditions are to be read carefully by applicant.

Some of the Titanium Credit Cards:


 Central Bank of India Titanium Credit Card.

Features and Benefits:

  • Complimentary Airport Lounge access at select Airports across India
  • 1 loyalty point earned per Rs 100.00 spend.

 Eligibility:

  • Age limit 18 years  to 65 year.
  • Account holder of the Bank
  • Gross Annual Income should be Rs 1.50 lac and above

Fees And Charges:

  •  Card / Add-on Card Issuance Fee – NIL (Excl Service Tax)
  • Card / Add-on Card Renewal / Cancellation – Rs 100.00
  • ATM Transaction Charges – Rs 100 per withdrawal + 2.99% p.m. from date of withdrawal till date of repayment
  • Mark-up Fee (For Foreign Currency Transaction) – 3.50%
  • Railway Ticket Surcharge – 2.5% + Rs 30.00
  • Petrol Transaction Surcharge – 2.50%
  • Dishonour of Auto debit – Rs 150.00 per auto debit dishonour
  • Late Payment Charges – Rs 100.00
  • Service charge on unpaid amount beyond due date – 2.99% per month

Documentation:

  • Proof of Address
  • PAN Card
  • Contact details – Mobile Nos. e-mail id etc
  • Salary slip for (for salaried individuals)
  • Copy of latest Income Tax return

 First Citizen Citibank Titanium Credit Card.

Features and Benefits:

  • Use your First Citizen Citibank Titanium Credit Card and ask the cashier at the payment counter, to redeem your Reward Points against purchases made.
  • Get great shopping value from your FCC Reward Points – Rs 60 for every 100 points that you redeem.
  • The First Citizen Reward Points earned against purchases made on the Credit Card  are automatically transferred to Shoppers Stop after each monthly billing cycle and will reflect in the First Citizen account after that.

 Eligibility:

  • Age limit 18 years  to 65 year.

Fees And Charges:

  • Joining & Annual Fees Fees applicable for both Primary and Additional Card members will be communicated at the time of sourcing
  • The rate of interest varies between 3.10% per month (i.e. 37.20%
    annualized) and 3.50% per month (i.e. 42.0% annualized). This rate is
    dynamic and changes periodically based on parameters like repayment
    pattern, utilization, spends etc.
    The maximum interest rate, in the event of default, is 3.5% per month or 42% annualized
  •  Cash Advance fee 2.5% on advanced amount (subject to a minimum of Rs.500 and US$7.5 at International ATMs)
  • Late Payment Charge (per month)
    Rs.300 for current balance upto Rs.10000
    Rs.600 for current balance from Rs.10001 – 25000
    Rs.950 for current balance above 25000
  • Cheque/ECS Bounce Charge Rs.500 per returned cheque/ECS
  • Petrol Transaction Charge 2.5% (subject to a minimum of Rs.10) Waived at Indian Oil outlets for transactions done on Citibank EDCs
  • Over Credit Limit charge 2.5% of the amount over the Credit Limit (Subject to a minimum of Rs.500)
  • Cash deposit at Citibank branches towards credit card repayment Rs 250
  • Cash deposit at Citibank ATMs towards credit card repayment Rs 100

Documentation:

  • Proof of Address
  • PAN Card
  • Contact details – Mobile Nos. e-mail id etc
  • Salary slip for (for salaried individuals)
  • Copy of latest Income Tax return

 LIC Titanium Credit Card

Features and Benefits:

  •  2 Reward Points for Rs. 100 spent on foreign currency and LIC premium payments
  • 1 Reward Point for every Rs. 100 spent on all other categories
  • Complimentary lost card liability insurance cover upto your credit limit.
  • 2.5% fuel surcharge waiver at all fuel pumps across India (for transactions between Rs. 400 and Rs. 4000). Maximum benefits upto Rs. 400 per month

 Eligibility:

  • Net Salary Requirement – Rs. 3Lakh per annum.
  • Salary Slip of Rs.25,000 gross salary

Fees And Charges:

  • Joining and Annual Fee Zero.
  • Cheque return or dishonor Fee or Auto debit Reversal Bank A/c out of Funds Rs300/-
  • Cash Withdrawal Fees 2.5% (Min. Rs 250) of the Cash Amount.
  • Cheque return or dishonor Fee or Auto debit Reversal Bank A/c out of Funds Rs 300
  • Foreign Currency Transaction Fee 3.50% of the transaction value

Documentation:

  • Proof of Address
  • PAN Card
  • Contact details – Mobile Nos. e-mail id etc
  • Salary slip for (for salaried individuals)
  • Copy of latest Income Tax return

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