Feb 07, 2016 07:57 PM
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I am service in HDFC company.HDFC Titanium Credit Card is designed exclusively for shoppers as it earns them those shopping privileges and benefits in India and abroad. Benefits on offer are in the form of attractive Reward Points program which allows I am earn 2 Reward Points for every Rs.150 spent provided spends of up to Rs. 15, 000 per statement cycle. For spends above Rs 15000 earn 3 Reward points for every Rs 150. As for international spends earn 5 Reward points for every Rs 150. Though the value of each Reward point is not known yet redemption is an exciting affair due to number of options available.
The card also offers fuel surcharge waiver which is a common feature among credit card, however, along with the waiver I also get an opportunity to earn Reward points over it which is rare among credit card offerings. Thus apart from few impressive features the card is like any other shopping card.
The Card is exclusively designed for shoppers. Simply put the card does not offer any travel privileges to its users. Also added features like insurance coverage which is offered by few shopping cards is absent with HDFC Titanium Credit Card. Thus even though the card has few good features, few important ones are also missing.
HDFC Titanium Credit Card has no Joining fee. The card can be compared to other similar shopping cards like SBI Silver and More Card and Axis Bank Silver Credit Card. The card when compared to these cards is very much at par. The interest rate charged on the card is 3.15% p.m. which is competitive in comparison to the other two cards.
