Titanium Smart Traveler Credit Card

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Posted by Harshit Bansal on June 24, 2024 · 21 mins read

Features and benefits

Benefits of Titanium Traveller Credit Card are manifold and extend to various things like reward points, waiver of fuel surcharge, points on abroad spending, conversion of purchases to EMI, dining delights etc.


Features and benefits

Benefits of Titanium Traveller Credit Card are manifold and extend to various things like reward points, waiver of fuel surcharge, points on abroad spending, conversion of purchases to EMI, dining delights etc.


Titanium Smart Traveller Credit Card Fees are applicable to all cardholders. Fees and charges for Titanium Smart Traveller Credit Card will be reflected in the next billing cycle along with applicable service taxes.

Description Charges
Standard Joining Fee
  • Rs. 250 (Waived on spends of Rs. 2,500 within 45 days of card setup) for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011

Standard Annual Fee Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50,000 in the preceding year), for cards setup on or after February 07, 2011
Nil, for cards setup before February 07, 2011
Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends calculated in availing annual fee waiver
Standard Add-on Card Joining Fee Rs. 100 for cards setup before February 07, 2011
Nil, for cards setup on or after February 07, 2011
Standard Add-on Card Annual Fee Nil
Finance Charges (Retail Purchases & Cash) Titanium: 3.40% per month (49.96% per annum)
Fee for Cash Payment Rs. 100/-
Card Replacement (lost or stolen or re-issue) Nil
Emergency Card Replacement Fee when overseas (through VISA) As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee Waived
Overdue Penalty or Late Payment Fee Nil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
Over Limit Penalty 2.5% of the overlimit amount (Min. Rs. 500)
Charge Slip Retrieval Fee or Copy Request Fee Waived
Outstation Cheque Fee Waived
Cheque return or dishonour Fee or Auto-debit Reversal Bank A/c out of Funds 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,528
Surcharge on purchase or cancellation of Railway Tickets As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee 3.50% of the transaction value
Mobile Alerts for Transactions Waived
Hotlisting Charges Nil
Balance Enquiry Charges Waived
Reward Redemption fee Yes
Rent Transaction fee 1% + GST capped at INR 1,500/transaction will be applicable on each rental transaction done on MCC 6513
Dynamic Currency Conversion Markup 1% + taxes for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation

Urgent and Important:

  • With effect from 1st March 2012, Convenience fee* of Rs. 50 per payment will be charged for cash payment of credit card bills at our branches.
    *The charges will reflect in the next billing cycle along with the service taxes applicable.
  • With effect from May 1, 2013, Complimentary MasterCard Airport Lounge Access programme will not be applicable for Titanium Credit Cards.

Features and benefits

Benefits of Titanium Traveller Credit Card are manifold and extend to various things like reward points, waiver of fuel surcharge, points on abroad spending, conversion of purchases to EMI, dining delights etc.


Titanium Smart Traveller Credit Card Fees are applicable to all cardholders. Fees and charges for Titanium Smart Traveller Credit Card will be reflected in the next billing cycle along with applicable service taxes.

Description Charges
Standard Joining Fee
  • Rs. 250 (Waived on spends of Rs. 2,500 within 45 days of card setup) for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011

Standard Annual Fee Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50,000 in the preceding year), for cards setup on or after February 07, 2011
Nil, for cards setup before February 07, 2011
Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends calculated in availing annual fee waiver
Standard Add-on Card Joining Fee Rs. 100 for cards setup before February 07, 2011
Nil, for cards setup on or after February 07, 2011
Standard Add-on Card Annual Fee Nil
Finance Charges (Retail Purchases & Cash) Titanium: 3.40% per month (49.96% per annum)
Fee for Cash Payment Rs. 100/-
Card Replacement (lost or stolen or re-issue) Nil
Emergency Card Replacement Fee when overseas (through VISA) As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee Waived
Overdue Penalty or Late Payment Fee Nil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
Over Limit Penalty 2.5% of the overlimit amount (Min. Rs. 500)
Charge Slip Retrieval Fee or Copy Request Fee Waived
Outstation Cheque Fee Waived
Cheque return or dishonour Fee or Auto-debit Reversal Bank A/c out of Funds 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,528
Surcharge on purchase or cancellation of Railway Tickets As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee 3.50% of the transaction value
Mobile Alerts for Transactions Waived
Hotlisting Charges Nil
Balance Enquiry Charges Waived
Reward Redemption fee Yes
Rent Transaction fee 1% + GST capped at INR 1,500/transaction will be applicable on each rental transaction done on MCC 6513
Dynamic Currency Conversion Markup 1% + taxes for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation

Urgent and Important:

  • With effect from 1st March 2012, Convenience fee* of Rs. 50 per payment will be charged for cash payment of credit card bills at our branches.
    *The charges will reflect in the next billing cycle along with the service taxes applicable.
  • With effect from May 1, 2013, Complimentary MasterCard Airport Lounge Access programme will not be applicable for Titanium Credit Cards.