HSBC Taj Credit Card

Name: HSBC Taj Credit Card
Brand: HSBC
Price: 110000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

HSBC and Indian Hotels Company Limited (IHCL) created this card for frequent Taj guests who want hotel privileges bundled into a single credit product. On activation, you receive two breakfast-inclusive hotel nights across India and a one-night stay at a Taj Palace property. The card also grants NeuPass Taj InnerCircle Platinum Tier membership, which brings priority check-ins, late check-outs, and a dedicated 24/7 customer care line.The rewards structure tilts heavily toward IHCL spending. Standard purchases earn 1.5 points per ₹100 spent, while spending at Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails properties earns 5 points per ₹100. Every 1.5 points converts to ₹1 in your HSBC Taj Credit Card Wallet, redeemable for rooms, dining, and spa treatments at participating hotels. This gives a roughly 3.3% return on IHCL spend and about 1% on everything else.Hotel perks go beyond rooms. You get unlimited room upgrades at IHCL properties, 25% savings on the Best Available Rate, four set-meal-for-two vouchers at participating restaurants, 25% off food, beverages, and Qmin deliveries, four 60-minute spa sessions per year, and swimming pool access for two up to 12 times annually. The Chambers Lounge and Taj Club Lounge are each available 12 times a year, and Rendezvous networking events add another social layer.Travel benefits extend beyond Taj properties. The card gives unlimited global airport lounge access, 4 domestic and 4 international chauffeur-driven airport transfers per year, 15% duty-free savings through the AdaniOne app, Bicester Village VIP privileges, 30% off EazyDiner bookings, Buy 1 Get 1 Free on BookMyShow, and 12 complimentary golf games or lessons annually. Eligibility requires ₹40 lakh annual income for salaried applicants (₹60 lakh for self-employed), ages 25 to 75, and residence in select Indian metros.

Pros

↑Deepest Taj/IHCL integration of any Indian credit card: NeuPass Platinum Tier, unlimited upgrades, Chambers Lounge, and 5x hotel rewards in one package
↑Generous welcome benefit with 2 breakfast-inclusive nights plus a Taj Palace stay on card activation, partially offsetting the high joining fee
↑Strong travel extras beyond hotels: unlimited airport lounges globally, 8 chauffeur transfers per year, and 12 golf sessions

Cons

↓₹1,10,000 joining and annual fee with no published waiver condition makes this among the most expensive cards in India
↓Reward points are locked to the IHCL ecosystem with no airline transfer partners, cashback option, or general merchandise catalog
↓Standard earn rate of 1.5 points per ₹100 (roughly 1% return) is below average for a super-premium card outside IHCL spending

Key Highlights

Welcome Offer
2 hotel nights + 1 Taj Palace stay on activation
2 breakfast-inclusive nights at IHCL hotels in India
1 additional night at a Taj Palace property
Extra 1-night Taj Palace voucher on card renewal
NeuPass Platinum Tier membership included

Reward Rate
5x reward points at Taj/IHCL hotels
5 points per ₹100 at Taj, SeleQtions, Gateway, Vivanta
1.5 points per ₹100 on standard purchases
1.5 points = ₹1 in HSBC Taj Card Wallet
Redeemable for rooms, dining, spa at IHCL hotels

Minimum Salary
₹40 lakh income (salaried) required
Age: 25 to 75 years for primary cardholder
₹60 lakh if self-employed
Must reside in select Indian metros
Indian resident or existing HSBC India account holder

Joining Fee
₹1,10,000 joining fee
Paid after card activation
No published joining fee waiver
Includes NeuPass Platinum Tier membership
Welcome hotel stays help offset the cost

Annual Fee
₹1,10,000 annual fee (no published waiver)
Charged annually after 12 months
No spend-based waiver disclosed
Renewal includes additional Taj Palace night voucher
All Taj and travel benefits continue each year

Why Choose?
Unlimited global airport lounge access
Via Visa Infinite programme worldwide
4 domestic + 4 international chauffeur transfers
15% off duty-free via AdaniOne app
Bicester Village VIP shopping privileges

Key Benefits

Dining

★4.5

▼

4 set-meal-for-two vouchers at participating IHCL restaurants per year
25% savings on food, beverages, and Qmin delivery orders
30% off when booking through EazyDiner (up to ₹1,500 discount)
5x reward points on all IHCL hotel dining spend
Buy 1 Get 1 Free on BookMyShow (valid twice monthly, max ₹1,000 per ticket)

Lifestyle

★4.5

▼

4 complimentary 60-minute spa treatments per year plus sauna and steam access
Swimming pool access for 2 guests up to 12 times annually
Unlimited room upgrades to next available category
Bicester Village VIP experiences and private sale events
Visa Infinite concierge and global merchant benefits

Premium

★5.0

▼

Visa Infinite tier, the highest Visa card classification
₹1,10,000 annual fee positions this among India's top-tier cards
NeuPass Platinum Tier and Chambers Lounge access
Complimentary Taj Palace night stays on activation and renewal
8 chauffeur-driven airport transfers (4 domestic + 4 international)

Reward Points

★4.0

▼

5 reward points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails
1.5 reward points per ₹100 on all other standard purchases
1.5 points = ₹1 in HSBC Taj Credit Card Wallet balance
Effective return: ~3.3% on IHCL spend, ~1% on general spend
Wallet redeemable for rooms, F&B, and spa at participating IHCL hotels

Travel

★5.0

▼

Unlimited airport lounge access worldwide
4 domestic and 4 international chauffeur-driven airport transfers per year
15% off duty-free shopping via AdaniOne app (monthly, min ₹7,500 order)
Bicester Village VIP privileges including eVIP pass discounts and private sales
12 complimentary golf games or lessons per year

Airport Lounge Access

▼

Unlimited global airport lounge access via Visa Infinite programme
Cove₹1,300+ lounges across 148 countries
No per-visit cap or quarterly limits mentioned
One of the strongest lounge packages among Indian credit cards
Primary cardholder benefit

Detailed Information

Joining Fee	₹1,10,000
Annual Fee	₹1,10,000
Annual Fee Waiver	No published fee waiver condition
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Up to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Not available on this card
Fee For Supplementary Card	Contact HSBC for details
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	25-75 years
Age Requirement Self Employed	25-75 years
Minimum Annual Income Salaried	₹40 lakh per annum
Minimum Annual Income Self Employed	₹60 lakh per annum
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest monthly payslip Recent bank statements Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR 1 year proof of income Business proof documents

Frequently Asked Questions

The joining fee is ₹1,10,000. It gets charged after you activate your card. There is no published condition to get this fee waived.

The annual fee is ₹1,10,000, charged once you have had the card for 12 months. HSBC has not published any spend-based waiver for this fee.

You receive two breakfast-inclusive hotel night stays at IHCL properties across India, plus a one-night stay at a Taj Palace property. An additional one-night Taj Palace voucher comes with every card renewal or new card issuance (valid until 31 March 2026).

You earn 1.5 reward points for every ₹100 spent on standard purchases. At Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails properties, you earn 5 points per ₹100. Every 1.5 points equals ₹1 in your HSBC Taj Credit Card Wallet balance.

Points convert to wallet balance redeemable at participating IHCL hotels for room bookings, food and beverages, and spa treatments. This covers Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails properties.

At 5 points per ₹100 and a conversion rate of 1.5 points = ₹1, you get approximately ₹3.33 back for every ₹100 spent at IHCL properties. That works out to a 3.3% effective return on hotel spending.

NeuPass Taj InnerCircle Platinum Tier is IHCL's loyalty programme. With this card, you automatically get Platinum status, which brings priority and early check-ins, late check-outs, and access to a dedicated 24/7 Platinum customer care service.

You can visit The Chambers Lounge up to 12 times per year. Each visit includes access for you and one guest. The Chambers is an exclusive members-only lounge at select Taj hotels.

Yes. You get unlimited room upgrades to the next available category at participating IHCL hotels. This applies each time you stay, with no annual cap on the number of upgrades.

You get four vouchers per year for set meals for two at participating IHCL restaurants, 25% savings on food and beverages at IHCL hotels, 25% off Qmin delivery orders, and 30% off bookings through EazyDiner (up to ₹1,500 discount per booking).

You receive four complimentary 60-minute spa treatments per year at participating IHCL hotels. Each session also includes access to the sauna and steam room. Swimming pool access for two guests is available up to 12 times annually.

The card gives unlimited global airport lounge access through the Visa Infinite programme. This cove₹1,300+ lounges across 148 countries. No per-visit or annual cap has been published for the primary cardholder.

Yes. You get 4 domestic and 4 international chauffeur-driven airport transfers per year, totalling 8 transfers annually. Terms and conditions apply to each transfer.

You get 15% off duty-free purchases made through the AdaniOne mobile app. This applies once per month with a minimum order of ₹7,500 and a maximum discount of ₹3,000 per transaction.

Cardholders can register for VIP guest experiences at The Bicester Collection Villages. Benefits include eVIP pass discounts, hands-free shopping, private sale event invitations, and reserved parking.

You get Buy 1 Get 1 Free on movie and event tickets through BookMyShow. The maximum discount per ticket is ₹1,000, and the offer can be used twice per month.

Yes. The card gives you 12 complimentary golf games or lessons per year at participating courses.

Salaried applicants need a minimum annual income of ₹40 lakh. Self-employed applicants need ₹60 lakh per annum. These are among the highest income requirements for any Indian credit card.

You must be between 25 and 75 years old to apply as a primary cardholder. This applies to both salaried and self-employed applicants.

Applications are accepted from Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, and Lucknow.

You need proof of residence, identity proof, and your PAN card. Salaried applicants should provide the latest monthly payslip. Self-employed applicants need 2 years of ITR and 1 year of income proof. HSBC may request additional documents during the process.

Non-resident Indians can apply if they already hold an HSBC India bank account. Standard eligibility criteria for age and income still apply.

In addition to The Chambers Lounge, you can visit the Taj Club Lounge up to 12 times per year. The Club Lounge is available at select Taj hotel properties.

Rendezvous events are intimate networking gatherings hosted at Taj hotels. They include celebrated speakers, masterclasses, and curated experiences. Access is part of the HSBC Taj Credit Card membership.

Call HSBC on 1800 569 1111 or the IHCL concierge desk on 1800 202 5575 to manage hotel bookings. Both lines are available for cardholders to arrange stays, dining, and other benefits.