CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
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#65 of 70 in debit
HDFC Bank

HDFC Times Points Debit Card

debitMastercardco-brandedProvisional score

Co-branded card aimed at accumulating Times Points for lifestyle and entertainment.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value3/100 · weight 65%
≈ 0.13% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency89/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks9/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹650 + 18% GST
= ₹767 total
Annual fee
₹650 + 18% GST
= ₹767 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.50%(2 pts @ ₹0.25)—2 Times Points per Rs 150 on online spends

What's inside

Lifestyle

  • Partner Dining Discount (10.000%)

    ₹6,000

    Minimum 10% discount on dining at select partner restaurants

    Cap ₹500.