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HSBC Taj Credit Card
HSBC Bank

HSBC Taj Credit Card

India’s ultimate hotel credit card – built with Taj luxury at its core

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At a glance

Should you consider this card?

Spend Category Reward Rate Notes
IHCL Hotels & Qmin 5 RP/₹100 Taj, SeleQtions, Vivanta, Gateway, amã, Qmin included
Other Eligible Spends 1.5 RP/₹100 Most other spends
Excluded Categories No Rewards Fuel, rent, insurance, utilities, wallet loads
Annual fee₹1,10,000 + GST
Joining fee₹1,10,000 + GST
Forex markup3.5% + GST

Welcome benefit

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)
Earning and using rewards

Rewards that matter

How you earn

  • 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

How to redeem

  • Use Reward Points directly via HSBC Taj Wallet

  • 1.5 RP = ₹1 value

  • Redeem for Taj stays, food, spa, Qmin orders, and experiences

Renewal benefit

Renewal rewards not disclosed, but membership tier and offers continue annually.
Spend thresholds

Milestone benefits

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

Fees and charges

Joining fee₹1,10,000 + GST
Annual fee₹1,10,000 + GST
Forex markup3.5% + GST
Fuel surcharge1% surcharge applicable, no waiver specified
Reward redemption₹0 — redemption via Taj Wallet is free
Interest rate3.49% per month (41.88% p.a.)
Cash advance2.5% or ₹500, whichever is higher
Late payment₹250–₹1,200 depending on total due
No fee waiver mentioned

What works well

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

Consider before applying

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
Travel, insurance and more

Benefits and privileges

  • 25% off Best Available Rates at Taj, Vivanta, SeleQtions

  • 12 annual visits to Chambers/Taj Club Lounge (cardholder + guest)

  • 4 complimentary set-meal vouchers at select Taj restaurants

  • 25% off Qmin and on-property dining

  • 4 spa sessions (60 min each) per year

  • Swimming pool access: 12 entries/year

  • Unlimited airport lounge access (domestic + international)

  • 4 complimentary airport transfers via Blacklane chauffeur service

  • 5% off Emirates flights

  • 15% off AdaniOne duty-free shopping monthly

Before you apply

Eligibility and application

Who may be eligible

  • Age: 25–75 years

  • Minimum income: ₹40L (salaried) or ₹60L (self-employed)

  • Must be Indian resident in select cities (top 12 metros)

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.

Check eligibility with HSBC Bank ↗
Our 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.
Answers before applying

Frequently asked questions

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.

Fees, rewards, availability and eligibility can change. Verify the issuer’s current terms before applying.