HSBC
HSBC Taj Credit Card
Annual Fee
₹1,29,800₹1,10,000 + GSTBase Reward
1% points
Foreign Markup
Zero
Welcome Benefits
Two Breakfast-Inclusive Taj Hotel Stays + One Taj Palace Stay On Activation, Plus An Extra Palace Voucher (Valid Till 31 March 2026)
Product Highlights
- Best-in-class privileges at Taj and other partnered hotels
- Complimentary stays and upgrades
- Exclusive discounts and offers
Category Rewards
travel
5 RPs/₹100 at Taj Hotels
5X
Specialty
1.5 RPs/₹100 on All Other Eligible Purchases
1.5X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Taj Hotels
5X at Taj/Partner Hotels
SeleQtions
5X at Taj/Partner Hotels
Vivanta
5X at Taj/Partner Hotels
Ginger
5X at Taj/Partner Hotels
Reward Calculator
Costs you ₹1,28,900/year
Break-even needs ~₹18,74,889/month at your reward mix.
₹13K
across all your buckets
3.6K
HSBC Reward Points
₹900
via statement credit · ₹0.25/pt
Effective rate
0.58%
Annual fee
₹1,29,800
Year 1 net
₹-1,28,900
Year 2+ net
₹-1,28,900
ongoing
Adjust your spend by reward bucket
2 bucketsRewards Details
Earn 5 Reward Points for every ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails Bungalows. Earn 1.5 Reward Points for every ₹100 on All Other Eligible Purchases.
- 1.5 RPs = ₹1
Benefits & Features
Domestic: Unlimited Airport Lounge Access International: Global Unlimited Airport Lounge Access Access to The Chambers Lounge with 12 annual visits.
Pros & Cons
Pros
- Offers many vouchers and privileges for frequent IHCL Hotel visitors
- Complimentary stays with breakfast included
Cons
- High joining fee of ₹1.10 lakh
- Designed exclusively for the ultra-wealthy
- Base reward rate of 1% is disappointing
Additional Info
Important note regarding eligibility and fees
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
25 yrs
Salaried
₹40.0L+
Self-Emp
₹60.0L+
Networks