HDFC Bank
Gold · Times Points
HDFC Times Points Debit Card
HDFC Bank
Earn Times Points on every swipe for movies, dining and more
Annual Fee
₹500
Joining Fee
Free
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,410
Total Annual Benefits
₹3,000
Total Annual Charges
₹590
ROI
508%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
Times Points on All Spends
Earn 2 Times Points per ₹200 spent on all retail purchases
2 TP per ₹200
Entertainment (1)
Movie Ticket Discounts
Up to 20% off on movie tickets via BookMyShow
- • Max discount ₹100 per transaction
20% off
₹2,400/yr
Dining Benefits (1)
Dining Privileges
Up to 15% off at partner restaurants
- • At select partner restaurants
15% off
₹3,000/yr
Fees & Charges
| Charge | Amount |
|---|---|
| Issuance Fee | Free Free |
| Annual Fee | ₹500 Excluding GST |
Transaction Charges
- Forex Markup
- 3.5%
- Cross Border Fee
- Free
- PIN Regeneration
- ₹50
ATM Charges
- Own Bank
- ₹20 (5 free/mo)
- Other Bank
- ₹20 (3 free/mo)
- Intl. Withdrawal
- 3.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Available to HDFC Bank account holders
- • Average monthly balance of ₹25,000 required
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.5 L
Report within 24h
- • Accidental death cover: ₹5 Lakh
- • Lost card liability: ₹2.5 Lakh within 24 hours
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless paymentsEMV chip securityTimes Points rewardsMovie and dining discountsDomestic usage
Ready to Apply?
Earn Times Points on every swipe for movies, dining and more
More from HDFC Bank
HDFC Bank
Visa
HDFC EasyShop Gold Debit Card
HDFC Bank
₹500/yr₹3,000/yr value
Reward Points on Pur...Fuel Surcharge Waive...
HDFC Bank
Visa
HDFC EasyShop International Debit Card
HDFC Bank
₹750/yr₹4,500/yr value
Reward Points on Pur...Fuel Surcharge Waive...International Usage
HDFC Bank
Visa
HDFC EasyShop Platinum Debit Card
HDFC Bank
₹750/yr₹15,000/yr value
Reward Points on POS...Domestic Lounge Acce...Accidental Death Ins...
HDFC Bank
Visa