The verdict
A dependable travel rewards credit card for regular flyers. Accumulating airline miles on flight bookings alongside quarterly domestic airport lounge visits and an accessible ₹1 Lakh spend waiver ensures consistent travel returns.
Spending ₹8,000/mo on retail (1,920 miles = ₹960 value) + ₹3,000/mo on flights (1,440 miles = ₹720 value) + 2,500 welcome miles (₹1,250) + 4 domestic lounges (₹5,600) clears the ₹1L spend to waive the ₹1,000 fee, delivering over ₹8,530 in net annual travel utility (8.5× ROI).
Miles redemption is linked to airline partner inventory and no international lounge access.
✓What works
- +Earn 6 JPMiles/InterMiles for every ₹150 spent on flight and travel reservations.
- +Earn 3 JPMiles for every ₹150 spent on all other general domestic retail purchases.
- +4 complimentary domestic airport lounge visits per year (1 visit per calendar quarter).
- +2,500 Bonus Miles welcome gift upon initial card spend milestone.
- +Annual renewal fee of ₹1,000 waived on spending ₹1,00,000 in the anniversary year.
- +1% fuel surcharge waiver on all petrol pumps in India on transactions between ₹400 and ₹4,000.
✕What doesn't
- −No complimentary international airport lounge access.
- −Annual renewal fee of ₹1,000 + GST.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
1 JPMile/InterMile = ~₹0.50 when redeemed for partner flights on the loyalty platform.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Airline & Travel Bookings | 6 JPMiles / ₹150 | Uncapped | 4,000 JPMiles |
| All Other Domestic Retail Spends | 3 JPMiles / ₹150 | Uncapped | 2,000 JPMiles |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
6 JPMiles / ₹150 on Travel + 4 Domestic Airport Lounges
Earn frequent flyer miles on flights and everyday lifestyle purchases.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Flight BookingsOn airline tickets. | 6 / ₹150 · 2.0% | Uncapped | — |
| Airport LoungesAcross Indian airports. | 4 / year · 1 / quarter | 1 / qtr | — |
| Fee WaiverWaived at ₹1,00,000 spend. | 100% · ₹1,000 Waived | 1 / year | — |
Redemption options
Redeem miles directly on the travel loyalty platform for partner flight tickets or hotel stays.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Partner Airline Flight BookingsBEST VALUE | 1 Mile = ~₹0.50 | 500 miles | None | Nil |
| Hotel Reservations | 1 Mile = ~₹0.30 | 500 miles | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Flight bookings, hotels, retail shopping, groceries.
- +4 domestic airport lounge visits.
- +Bonus welcome miles.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Annual Renewal Fee | ₹1,000 + GST (Waived at ₹1 Lakh spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.49% / month (41.88% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Salaried Income | ₹30,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.6 Lakhs per annum |
Frequently Asked Questions
Does HDFC Jetprivilege Titanium Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC Jetprivilege Titanium Credit Card?
What is the reward rate and point redemption value on HDFC Jetprivilege Titanium Credit Card?
Which transactions are excluded from earning rewards on HDFC Jetprivilege Titanium Credit Card?
Who is HDFC Jetprivilege Titanium Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC Jetprivilege Titanium Credit Card
The HDFC Jetprivilege Titanium Credit Card is a legacy aviation co-branded credit card originally introduced in partnership with the JetPrivilege loyalty program (subsequently rebranded to InterMiles). Issued at an annual fee of ₹1,000 + GST, the renewal fee is completely reversed upon spending ₹1,00,000 in qualifying retail purchases during the anniversary year.
The card provides structured aviation accrual: cardholders earn 6 JPMiles / InterMiles per ₹150 spent on flight bookings, 3 JPMiles per ₹150 spent on all other retail spending, 4 complimentary domestic airport lounge visits annually (1 per calendar quarter), and a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
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6 JPMiles / ₹150 on Flight Bookings: Earn 6 miles for every ₹150 spent on direct airline ticket purchases.
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3 JPMiles / ₹150 Base Earning: Earn 3 miles for every ₹150 spent across all standard domestic and international retail transactions.
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4 Complimentary Domestic Airport Lounges: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year) across major Indian airports.
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Achievable ₹1 Lakh Annual Spend Waiver: Reversal of the ₹1,000 annual renewal fee upon spending ₹1,00,000 in qualifying retail purchases within the anniversary year.
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1% Fuel Surcharge Waiver: Save on fuel transactions between ₹400 and ₹5,000 across all petrol pumps in India (up to ₹250 per billing cycle).
Important Terms and Spend Conditions to Keep in Mind
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Grandfathered Legacy Status: Fresh applications are completely closed; existing cardholders continue to earn InterMiles under legacy terms.
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Domestic Lounges Only: Does not include complimentary international airport lounge access across overseas terminals.
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Domestic Lounge Spend Criteria: Subject to HDFC Bank’s quarterly domestic lounge access spend requirements.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero miles.
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Standard 3.5% Forex Fee: Foreign currency transactions attract the standard 3.5% + GST markup fee.
Who Benefits Most
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Grandfathered JetPrivilege Cardholders: Existing cardholders who continue holding their legacy titanium aviation card for routine spending.
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Domestic Frequent Fliers: Travelers taking 2 to 4 flights annually who appreciate quarterly domestic lounge access.
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Moderate Everyday Spenders: Spenders spending ₹10,000 monthly who comfortably hit the ₹1 Lakh annual spend fee waiver.
- HDFC Bank — JetPrivilege Titanium Credit Card tariff schedule
- JetPrivilege / InterMiles co-brand travel program features
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).