HDFC Bank Titanium Times Credit Card

I have HDFC Bank Titanium credit from last year and had not received much offers on my purchases. They gave constant reminders to upgrade my card for more benefits and when I tried to upgrade they keep rejecting my card for unknown reasons. I called their customer service several times but that didn't help either. Now the situation is such that every time I use the card I got charged heavily. The notifications are stopped and I only get notified when they crdit my account balance to meet the charges.

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This credit is very user friendly and can be used by anyone. as for as credit limit is concerned this card has very good credit limit depending upon the previous history. This high titanium credit card can be used by everyone in a very user friendly way. and at last no additional charges are applied in this bank.

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Dear friends, I am Using Hdfc titanium credit card since 3years.This card is only useful for normal usage. It is not used for entertainment. That is movies, dining, bus tickets and train tickets or online e-commerce shopping is not useful. They are not providing any exciting offers. I have placed a request for up gradation of my card so many times but they are simply rejected my request. Coming to customer support is very good.

I have faced lot of extra charges which means interest and some extra service charges. They are not providing EMI offers 365 days like others. Only some time the opportunity available. So I was very disappointed about the feature. Casually people are looking for EMI option the main thing they are not provided continuously.

After usage of 3 years still my credit limit has not increased. So guys I would not recommend this card. I am also planning to left from this card. I have applied recently Kotak card which is having very good offers.

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Hi Friends,i am from Bangalore I was using card for 3 years and I have repaid full amount of card and used it 4th time I was lost around 30K for 31K card limit and they charge like hell and this was my first card and last from bank.V very poor service as I am asking for my CC statement from last 6 months as on today no one is responding as a responsible for that and I am frustrated because of HDFC I have Account in HDFC they forcefully detected amount from account for credit card payment.

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I have been using there credit card for quite some time and have seen my reward points grow as I continue to make purchases using their credit card.

Once the points grew to a sizeable amount, I tried redeeming that only to know that my points are all gone!

When I called the customer care with my issue they updated me that Sir you are our esteem customer and because of that the back end team has upgraded your card.

Which is good but the fallback is that once they upgrade your card they take away all your earned reward points from your previous card in use and then give you back only 43% of your reward point in the new card.

I tried to investigate on why they are doing this, only to find out that their is a very slight difference on the point value for the upgraded card.

But because of this on their will they will take 53% of your reward points!

Which is like 50% loss at least if not more. And that is how they mint money by fooling their customers by a gimmick of card upgrade.

Its nothing but utter cheating their loyal customers and the fact is that most of us skip noticing this and they hit jackpot.

I urge the customers to stop falling prey to this bank promising lucrative point schemes and find ways to deceive point repayment in full.

Regards,

Atul Nigam

9611659000

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This is to share my worst experience with this bank credit card. I have titanium card with this bank where limit was at very good. I was assured in starting that you will receive all the facilities. Moreover, whenever you will require money then you can use credit card and we will make installments of your dues. I did not realize that it was a trap for me and I got stuck into it. I used this card with upper limit as I was in huge need of funds. Then I paid minimum amount for several month but I did not minimize my dues at all. Their interest was so high that really felt pain in my life. I was really tensed at that situation. I requested them several times that please make the installments of this amount as amount is very high and I can not repay it in one go but they did not agree. Then I took loan from other bank and repaid it three installments which was not including my initial several payments. This is how they cheated me. In the end, I surrendered my card and clear all dues. Now whenever I receive call from any bank for credit card, I scold them with no reason and angrily say not to call again on my number.

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I am using this card from last 2 years and I have never face any difficulties in either purchase or bill pay so I am recommitting this card to my friends and those people want 365 days offer on movie and food.This card gives me freedom to shop from any retail shop without any hesitation and also I get paid point on my each 150 rupee spend.The billing cycle is very important if any one wants to use any credit card.You can also avail 45 - 55 days shopping without interest payment by purchasing exactly the day after the billing period.So you will  get enough time for payment of your next bill.You will also get fuel surcharge wavier on petrol pump.On movie ticket booking you will 25% wavier on movie ticket whenever you are going to book through https://bookmyshow.com.

But only thing you have to pay yearly 500+ service tax for the card as annual fee.

So as per my experience I have given the information  you can take feed back from this.If you this this information is valuable you can share with your friend.

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