Are you looking for a multipurpose credit card, which gives you cashback, reward points, and many more in your daily expenditure then? This article is going to be very helpful for you? Because in today’s article, we are talking about a multipurpose all-rounder credit card named Jet Privilege HDFC Bank Titanium Credit Card. As this card is launched by HDFC bank, we can say that the overall feature of this card is very understandable and valuable for money.
So, if you are thinking of issuing this credit card now or in-future then I advise you to go through this article completely because after reading the whole one, I hope you can easily understand that you should issue this or not.
So, let’s begin the review with the main topic and discuss the key features and highlights of this card.
Key Features And Highlights
This card is basically an all-rounder, the multipurpose credit card which gives you benefit in your day to day life and as well as in travelling time. Let’s quickly check out the key features and highlights of this card because you get a rough concept from here.
- You have to pay only Rs. 500 as a joining fee.
- If you spend 1.5 lakhs or more than that in a year, then the renewal fee is automatically waived off.
- On every spending of Rs. 150, you earn to JPMiles point.
- If you use this card on your fuel transactions, then you can save up to Rs. 2500 per year.
- You can save up to Rs. 2500 per year on your Airline tickets.
- If you can make 4 transactions in a month which is worth Rs. 100 or more, then you can be eligible for the insurance scheme of this card. Here you can get insurance which is up to Rs. 50 lakhs on complimentary accidental death.
- If you purchase products whose amount is Rs.5000 or more by using this card, you get burglary and fire insurance from the company.
- If you lose your card by mistake, you have to only inform the customer care of this bank. By only doing this, you will not be liable for any misuse or miss- transaction from your card.
The reward points system is also imposing on this card. On every spend of Rs.150, you get reward points. Here you earn to JPMilies point. Besides this, you also earn this point by using this card to book the flight, hotel, reservations, shopping, etc. many other things.
i. Redemption Of JPMiles Points
The redemption process of JPMiles is straightforward and easy too. You can easily redeem these points on flight booking via AirAsia, SpiceJet, Indigo, Air India, go air. Besides this, you can also redeem these points to buy tickets from Emirates Airlines, Etihad Airlines, etc.
Besides this, you can use this point on retail purchases, movie ticket booking, entertainment purposes, fuel stations, etc.
Who Should OPT For This Credit Card?
If you are looking for a multipurpose credit card in a low-budget segment, this card is probably one of the best cards for you. Here you get some ordinary and some premium benefits at a very affordable price. On the one hand, you can earn reward points and cashback, and on the other hand, you get some premium travel benefits. So, if you were looking for a card that provides you with this kind of benefit, you should go for this credit card.
What Makes This Credit Card Better From Other Credit Card?
As we said earlier that this is a multipurpose credit card that comes under a very decent price point. That’s why almost every common person can afford this card very easily. Moreover, here the company provides more than enough features to their cardholders at this price point. And that’s the main reason this card scores very better marks than other credit cards available in the market.
Features And Benefits
After joining the service, you will start to get all the features and benefits from the company. Here is a detailed list of the benefits that you get after issuing the card.
i. Annual Fee Waiver
If you spend 1.5 lakhs or more in a year using this card, you get a waiver on your annual fee. Here your renewal fee or annual fee, which is Rs.500, is waived off by the company.
ii. JPMiles Benefits
Here the JPMiles points are actually equivalent to the reward points. On every spend of Rs. 150, you get to JPMiles from the company. Besides this, the redemption process of these points is also straightforward and beneficial. You can use these points to buy tickets for movies, sports, fuel transactions, retail shopping, and many more.
iii. A Waiver On Fuel Surcharge
If you use this card to buy fuel, then you get a waiver on it. By using these features, you can easily save up to Rs. 2500 in a year.
iv. Airline Benefit
If you use this card to buy flight tickets, then you can save some money. Besides this, you can also use the JPMiles points to buy flight tickets. Here you can also save up to Rs. 2500 yearly.
v. Zero Liability Lost Card
In case if you lost your card, then you don’t have to need too much worry. Because here the company provides you Zero liability on your lost card. For availing of this offer only you have to inform the customer care of HDFC Bank, and after it, you can avail this offer.
vi. Insurance Cover-up
The insurance system that the company provides is also very well. Here you can make a minimum of 4 transactions which is Rs. 100 or more in a month, then you can avail of this feature.
Here you can get up to Rs. 50 lakhs insurance on complimentary accidental death. If you buy a product of Rs. 5000 or more, then you get burley and fire protection or insurance. Here you get Rs. 25,000 for personal portable equipment and up to Rs. 2 lakhs for all other assets.
So, this is another very sector that you have to read very carefully before issuing this credit card. In this segment, we talk about all kinds of charges that you have to pay at the time of joining or in the future after joining.
Eligibility And Required Documents
If your age is between 18-70 years, you can apply for this card. Here is the table where we discuss the eligibility criteria.
How To Apply For This Credit Card?
The application process of this card is straightforward. You can apply it both online and offline. If you want to apply for this card, you have to visit the official website of HDFC Bank. Here you find the application area and all the guidelines regarding this. Then you have to follow all mentioned steps and fill in all the details regarding this. In this way, you can apply for this card. After it, the Bank officials directly contact you.
Besides this, if you cannot apply online, visit the nearest HDFC Bank branch, where the officials will help you.
1. What is the approximate validity of JPMiles?
These points are valid for up to 5 years from the date of its earning. After that, these points are automatically invalid.
2. Here how many days I get the interest-free period?
Here you can get up to 50 days as an interest-free period.
3. What can I do if I lost my card mistakenly?
If you lost your card, save to contact the HDFC bank customer care to block your card services.
4. How much time does it take to credit the JPMiles to my account?
You can get it frequently or within a few minutes after finishing your transactions.
So, this is an in-depth review of Jet Privilege HDFC Bank Titanium Credit Card. by reading the whole article, I hope you can clearly understand the advantages and disadvantages of this card. Besides this, you can also be able to understand whether you should issue this card or not.