HSBC Taj Credit Card

HSBC Bank

HSBC Taj Credit Card

Card Type
Travel and Rewards

Best Suited For

Joining Fee
₹1,10,000 + GST

Annual Fee
₹1,10,000 + GST

Card Details

The HSBC Taj Credit Card is India’s most premium hotel co-branded credit card, developed with Taj Hotels (IHCL). It unlocks unmatched hospitality perks like Taj InnerCircle Platinum membership, complimentary stays, luxury dining, spa services, and hotel club lounge access. It’s a statement card for luxury seekers and frequent Taj guests.

Available Networks: Visa

Reward Details

5 Reward Points per ₹100 at Taj, Vivanta, SeleQtions, amã, Qmin
1.5 Reward Points per ₹100 on other spends
Points redeemable via HSBC Taj Wallet at Taj Group properties
1.5 Reward Points = ₹1 in wallet value
Points can be used for stays, dining, spa and experiences

Best Suited For

You will get high Reward Points as compared to other credit cards

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.

Milestone Details

None explicitly tied to spend milestones, but ongoing high-value lifestyle rewards continue year-round.

Reward Redemptions

Use Reward Points directly via HSBC Taj Wallet
1.5 RP = ₹1 value
Redeem for Taj stays, food, spa, Qmin orders, and experiences

Excluded Spend Categories

You wont get any Reward Points for following spend types

Pros of HSBC Taj Credit Card

😊

5 RP/₹100 at Taj Group hotels + direct redemption via Taj Wallet

😊

Taj InnerCircle Platinum upgrade + free night stays

😊

Airport lounge access + chauffeur rides + Emirates, Adani discounts

Cons of HSBC Taj Credit Card

⚠️

High annual fee of ₹1.1 lakh + GST

⚠️

Only available in select cities and for high-income profiles

⚠️

No milestone rewards or fee waivers disclosed

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.

Application Process

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.

Card Eligibility

Age: 25–75 years
Minimum income: ₹40L (salaried) or ₹60L (self-employed)
Must be Indian resident in select cities (top 12 metros)

Conclusion

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.