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Tuesday, January 15, 2013



HDFC Titanium Credit Card-12

Description: HDFC TITANIUM credit card is a very special beneficiary card given by HDFC to their customers. Most of the people are also getting good features about it on Best Credit Cards in India
.
It features by giving reward points for every Rs150 on domestic spends and 5 reward points for every Rs150 on international spends. Moreover, people can travel benefits on both domestic and international airlines along with lounge access. It is giving facility on transferring your balance interest free for full three months, 0% surcharge on purchase of petrol, Interest free-credit facility. Thus, through HDFC Titanium Credit Card, a person may get able to do what he wants to do and he can also read comments of the customers on Best Credit Cards in India.
How to apply for HDFC TITANIUM credit card:  
Certain regulations must be fulfilled before applying to HDFC TITANIUM credit card:
Applicant has to fill the application form that is required to get the credit card by visiting the branch of HDFC bank.
Documents Required:

The documents demanded by the bank are-Voter ID card, Pan Card, and Residential proof, with the application form must be submitted by the applicant to avail this card.

Eligibility Criteria:
Applicant can only be eligible for HDFC TITANIUM credit card until following criteria to be fulfilled:
He/ She are having minimum age of 21 years and not more than 60 years in case of a salaried person.
He/ She are having minimum age of 21 years and not more than 65 years in case of a self-employed person.
He/ She must be earning regular income and must have all the documents like salary slips, income tax returns and others.
After completion of all the above details, a person gets eligible for getting the HDFC TITANIUM credit card.
Benefits and Advantage HDFC TITANIUM credit card is providing are:
Customer can earn2 Reward Points for every Rs150 spend up to Rs35000 per statement cycle. For spending above Rs.35000 in a statement cycle, customer earns 50% more Reward Points (i.e. 3 Reward Points per Rs.150).
If a customer loses/lost his/her card he/ she should immediately call to HDFC call centre, it’s available for 24hrs and zero liability will be made on fraudulent transactions made with your card.
Free interest credit facility up to 50 days from the date of purchase.
Customer can also enjoy revolving –credit facility with HDFC TITANIUM credit card at 3.15% interest per month.

Interest fees: Certain amount will also be charged from the applicants who are using HDFC TITANIUM credit card:
Minimum Cash advance fee is of Rs300 or (2.5%).
The interest free credit period ranges from 20 to 50days according to the scheme at that time.
Joining fees to get HDFC TITANIUM Credit Card is just Rs399 for the whole year; no additional card fee is there.

Late fees: Late payment charges will be applicable HDFC TITANIUM Credit Card if minimum amount due is not paid by the payment due date:
If the statement balance is less than Rs100 then NIL late payment fee charges.
If it exceeds to Rs.500, then fees of Rs.100 will be charged.
If a person exceeds amount up to Rs.5000, then the late fee charged will be Rs.400
If it exceeds up to Rs20000 then late fee of Rs500 will be charged and above Rs20000 late fee of Rs700 is charged.
Apply Online:
There is one more convenient and time saving option available with a person so that he can apply for the HDFC Titanium Credit Card and that option is apply online. It also provides a facility to a person that his application from has been accepted and sooner, he will get his credit card. The online link is:

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