HSBC Bank credit card
HSBC Taj Credit Card
India’s ultimate hotel credit card – built with Taj luxury at its core
Credofly overview
Is HSBC Taj Credit Card right for you?
India’s most prestigious hotel card. Access Taj luxury with complimentary stays, platinum loyalty membership, and a suite of lifestyle and travel privileges — all curated for frequent luxury travelers.
Earn 5 Reward Points per ₹100 at IHCL properties including Taj, Vivanta, SeleQtions, amã, and Qmin. Earn 1.5 Reward Points per ₹100 on other eligible spends.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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5 Reward Points per ₹100 at Taj, Vivanta, SeleQtions, amã, Qmin
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1.5 Reward Points per ₹100 on other spends
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Points redeemable via HSBC Taj Wallet at Taj Group properties
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1.5 Reward Points = ₹1 in wallet value
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Points can be used for stays, dining, spa and experiences
How you can redeem
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Use Reward Points directly via HSBC Taj Wallet
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1.5 RP = ₹1 value
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Redeem for Taj stays, food, spa, Qmin orders, and experiences
EMI Transactions, Utilities, Insurance, Wallet, Rent, Fuel, Government Spends, and Tax Payments
<p>No reward points on fuel, insurance, rent, wallet loads, utility bills, and government transactions. Check HSBC T&Cs for full list of exclusions.</p>Beyond rewards
Benefits that matter
Welcome offer
Complimentary 1-night stay at a Taj Palace hotel with breakfast 2-night stay at any participating IHCL property on card activation Instant upgrade to Taj InnerCircle Platinum (NeuPass)
Milestone benefits
None explicitly tied to spend milestones, but ongoing high-value lifestyle rewards continue year-round.
Renewal benefits
Renewal rewards not disclosed, but membership tier and offers continue annually.
Card benefits
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25% off Best Available Rates at Taj, Vivanta, SeleQtions
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12 annual visits to Chambers/Taj Club Lounge (cardholder + guest)
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4 complimentary set-meal vouchers at select Taj restaurants
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25% off Qmin and on-property dining
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4 spa sessions (60 min each) per year
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Swimming pool access: 12 entries/year
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Unlimited airport lounge access (domestic + international)
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4 complimentary airport transfers via Blacklane chauffeur service
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5% off Emirates flights
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15% off AdaniOne duty-free shopping monthly
Lifestyle & travel
dining benefits, movie, lounge international, lounge domestic, airport transfer
Our independent take
Credofly review
The HSBC Taj Credit Card sets a new benchmark for hospitality-focused credit cards. From free stays and Taj InnerCircle Platinum to lounge access and spa privileges, every detail is tailored for affluent individuals who love the Taj experience. Though the ₹1.1L fee is steep, the unmatched luxury and practical value easily justify it for the right audience.
The HSBC Taj Credit Card isn’t just a card — it’s an elite travel and hospitality pass. If you’re a Taj loyalist or a frequent traveler looking to indulge in 5-star perks, this is your ideal match. From private lounges to airport transfers, fine dining to spa days — every swipe brings you closer to a royal experience. Recommended for luxury-first lifestyles.
Why we like it
India’s first true luxury hotel card. If you love the Taj experience, this card delivers unmatched privileges — from room stays and dining to spa access and airport rides. It’s curated for elite lifestyles.
Strengths
- <p>5 RP/₹100 at Taj Group hotels + direct redemption via Taj Wallet</p>
- <p>Taj InnerCircle Platinum upgrade + free night stays</p>
- <p>Airport lounge access + chauffeur rides + Emirates, Adani discounts</p>
Watch-outs
- <p>High annual fee of ₹1.1 lakh + GST</p>
- <p>Only available in select cities and for high-income profiles</p>
- <p>No milestone rewards or fee waivers disclosed</p>
Before you apply
Eligibility & application
Eligibility
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Age: 25–75 years
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Minimum income: ₹40L (salaried) or ₹60L (self-employed)
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Must be Indian resident in select cities (top 12 metros)
How to apply
This card is offered by invitation or expression of interest.
Submit your details via Credofly to express interest:
👉 Express Interest via Credofly
HSBC will contact you to complete eligibility checks and initiate the onboarding process. Final approval is subject to internal bank criteria and availability in select cities.
Your questions answered
FAQs
What is the value of 1 Reward Point?
1.5 Reward Points = ₹1 in the HSBC Taj Wallet, usable at Taj properties for stays, food, and spa.
What welcome benefits are offered?
Free 1-night stay at a Taj Palace + 2-night IHCL stay + instant upgrade to InnerCircle Platinum.
What is the Taj InnerCircle Platinum benefit?
Priority check-in/out, enhanced points, free room upgrades, and exclusive Taj privileges.
How do I redeem points?
Points auto-load to your Taj Wallet. Redeem for stays, food, spa, Qmin orders, and more.
Are there lounge and transfer benefits?
Yes. Unlimited airport lounge access + 4 free chauffeur airport rides (Blacklane).
What lifestyle benefits do I get?
Spa sessions, set meals, discounts at Starbucks, PVR, Tira, Zomato, Swiggy, and Croma.
Is there a fee waiver option?
No waiver offered. ₹1.1 lakh annual fee is applicable regardless of spends.
Who is this card best suited for?
Ideal for high-income individuals who frequently stay, dine, or host at Taj Group properties.
From cardholders
User reviews
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