JetPrivilege HDFC Bank Select Titanium Review 2026: Legacy InterMiles Card & FAQs
JetPrivilege HDFC Bank Select Titanium is a legacy ₹500 InterMiles card. HDFC publishes no retail earn rate and caps insurance accrual at 2,000 InterMiles a day. What is known, what is not, and FAQs.
The JetPrivilege HDFC Bank Select Titanium is a legacy card from before the JetPrivilege programme was renamed InterMiles in 2019. It still earns InterMiles, and HDFC still lists it — but its product page is among the thinnest in the range and several basic facts about it are not published.
This review is unusually short because there is unusually little to report, and inventing the missing figures would be worse than naming the gap.
JetPrivilege HDFC Bank Select Titanium Credit Card Quick Overview
| **Card type** | Legacy airline co-brand card |
|---|---|
| **Best for** | Existing holders; not a sensible new application |
| **Joining / renewal fee** | ₹500 + GST, same on renewal — renewal waived at ₹2 lakh of annual spend |
| **Network** | Visa, Mastercard |
| **Base reward rate** | **Not published by the issuer** |
| **Reward currency** | InterMiles, valued at ₹0.4 each |
| **Lounge access** | None published |
| **Forex markup** | 3.5% |
Reward Structure: How You Earn
HDFC publishes no retail InterMiles accrual rate for this card. The rate table below shows 0% because nothing is stated — that is an absence of information, not a confirmed zero.
What HDFC does publish is the accrual rules and one cap. Miles are valued here at ₹0.40, an estimate.
These cards were not part of HDFC's 15 May 2026 rate change, which applied to its own Reward Point cards. The InterMiles co-brands earn in a partner currency and still accrue on a ₹150 block.
| Spend | Effective rate |
|---|---|
| Everything else | 0.0% |
| Fuel, rent, wallet loads, government, gaming | **0%** |
The caps that actually bind
Headline rates mean little until you know where they stop. These are the limits on this card:
| Cap | Limit |
|---|---|
| Insurance | 2,000 points per day |
Insurance accrual is capped at 2,000 InterMiles per DAY — a daily cap, which this dataset's schema cannot express directly, so it is recorded against the nearest available period and stated plainly here.
Only retail purchases above ₹150 accrue InterMiles at all. Smaller transactions earn nothing. Cash advances, fuel, fees, EasyEMI and wallet loading are excluded, and miles are reversed if a purchase is later converted to SmartEMI.
The fee waiver figure is unreliable. HDFC's page for this card states the renewal fee is waived "on your Swiggy HDFC Bank Credit Card" — boilerplate evidently copied from a different product. The ₹2 lakh threshold recorded here is retained because nothing better exists, but the page cannot be trusted in either direction.
Category Restrictions: Where You Won't Earn
- Where you earn nothing: Earns nothing at all: fuel; EasyEMI and e-wallet loading; rent, property management, maintenance and packers-and-movers; government transactions; education paid through third-party apps such as CRED, Cheq or MobiKwik (paying a college or school directly still earns); and online skill-based gaming. Points are also REVERSED if a retail transaction is later converted to SmartEMI.
- Point expiry: Reward Points are valid for 24 months from accrual and lapse thereafter — HDFC states 'Unredeemed Reward Points will expire/lapse after 2 years of accumulation'.
- Redemption fee: ₹99 per redemption.
- Insurance cap: 2,000 InterMiles PER DAY on insurance transactions. capperiod is 'pertransaction' because the controlled vocabulary has no daily option — it is NOT a per-transaction limit.
Fees and Charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Renewal fee | ₹500 + GST |
| Finance charges | Up to 3.75% per month (45% per annum). The rate applied depends on the card variant and the cardholder's profile. |
| Interest-free period | Up to 50 days, and only if the previous month's balance was cleared in full. No interest-free period applies once a balance is revolved or a cash advance taken. |
| Minimum amount due | 5% of the total outstanding, or the sum of 100% of EMI, fees, charges, interest and any overlimit amount plus 1% of the principal — whichever is higher. Subject to a minimum of ₹200. |
| Cash advance fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Cash advance interest | Up to 3.75% per month, charged from the date of withdrawal until repayment in full. |
| Forex markup | 3.5% on the INR-converted amount for most variants; premium variants carry 2%. |
| Dynamic currency conversion | 1.75% markup on transactions made in Indian rupees at an international merchant or an overseas-registered merchant, with effect from 15 May 2026. |
| Late payment | Nil up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for ₹25,001–₹50,000; ₹1,300 above ₹50,000. |
| Overlimit | 2.5% of the overlimit amount, subject to a minimum of ₹550. |
| Payment return | 2% of the payment amount, subject to a minimum of ₹450. |
| Rent payment | 1% of the transaction amount on rent payments made through third-party merchants, levied FROM THE SECOND rental transaction of the calendar month — so the first rent payment each month is free of it. Rent and property-management transactions also earn no Reward Points at all, w.e.f. 1 January 2023. |
| Wallet load | 1% on wallet-loading spends exceeding ₹10,000 in a calendar month, excluding PayZapp, with effect from 1 October 2025. The fee applies to the total wallet-loading spend for the month, capped at ₹4,999. |
| Utility payments | 1% on utility spends exceeding ₹50,000 in a calendar month for consumer cards (₹75,000 for business cards), with effect from 1 October 2025. The fee applies to the total utility spend for the month, capped at ₹4,999. |
| Education payments | 1% on education transactions made through third-party applications such as CRED, NoBroker or Cheq, capped at ₹4,999 per transaction. Education paid DIRECTLY through a college or school website, or at its POS machine, attracts no fee. |
| Fuel transactions | 1% on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), with effect from 1 October 2025. The fee applies to the total transacted amount, capped at ₹4,999 per transaction. |
| Online skill-based gaming | 1% on online skill-based gaming spends exceeding ₹10,000 in a calendar month, with effect from 1 October 2025, applied to the month's total and capped at ₹4,999. |
| Card replacement | ₹100 plus taxes. |
| Add-on card | Nil. |
| Reward redemption | ₹99 plus taxes on redemption through the rewards catalogue. |
| EMI processing | ₹199 plus taxes on retail EMI conversion. |
| GST | 18% on all fees, interest and charges. |
Is the JetPrivilege HDFC Bank Select Titanium Credit Card Worth It?
This is not a card to apply for. Its earn rate is unpublished, its fee waiver wording is copied from another product, and the programme it was built around was renamed seven years ago.
If you already hold it, the two things worth knowing are the ₹150 minimum transaction and the 2,000-mile daily insurance cap. Beyond that, ask HDFC what the retail accrual rate actually is — it is not something you can look up.
The InterMiles Platinum card at ₹1,000 is the current entry point to the same programme, with a published rate of 4 miles per ₹150 and a ₹2.5 lakh fee reversal. Anyone wanting an InterMiles card should start there.
Frequently Asked Questions (FAQs)
What is the JetPrivilege Select Titanium earn rate? HDFC does not publish one for this card on any page reviewed. Ask the bank directly.
Is there a cap on insurance spending? Yes — 2,000 InterMiles per day on insurance transactions.
Is the fee waiver threshold reliable? No. HDFC's page refers to the waiver applying to a Swiggy HDFC Bank card, which is clearly copied text. The ₹2 lakh figure is recorded as low confidence.
Is JetPrivilege the same as InterMiles? Yes. The programme was renamed InterMiles in 2019; this card predates the rename.
Should I apply for this card? No. The InterMiles HDFC Bank Platinum card at ₹1,000 is the current entry point to the same programme with a published earn rate.
Cards Mentioned in This Article
