HSBC Taj Credit Card
India’s ultimate hotel credit card – built with Taj luxury at its core
Network: Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹1,10,000 + GST
- Annual Fee: ₹1,10,000 + GST
- Waiver: No fee waiver mentioned
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% surcharge applicable, no waiver specified
- Redemption Fee: ₹0 — redemption via Taj Wallet is free
- Late Payment Fee: ₹250–₹1,200 depending on total due
- Interest Rate: 3.49% per month (41.88% p.a.)
- Cash Advance: 2.5% or ₹500, whichever is higher
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.
Rewards & Earnings
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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
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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
Benefits
- Welcome:
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:
None explicitly tied to spend milestones, but ongoing high-value lifestyle rewards continue year-round.
- Renewal:
Renewal rewards not disclosed, but membership tier and offers continue annually.
- Lifestyle:
dining benefits, movie, lounge international, lounge domestic, airport transfer
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.
Pros & Cons
✅ Pros
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
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
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.
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.
User Reviews
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