HSBC Taj Credit Card
HSBC
Annual Fee
₹1,10,000
Joining Fee
₹1,10,000 + GST
Base Reward
1% points
Foreign Markup
Zero
Interest Rate
3.75% Per Month (45% Per Annum)
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
Rewards
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.
Redemption
1.5 RPs = ₹1
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 5%(5 RPs/₹100 at Taj Hotels) | No cap |
other | 1.5%(1.5 RPs/₹100 on All Other Eligible Purchases) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Taj Hotels | 5 RPs/₹100 | offline |
| All Other Eligible Purchases | 1.5 RPs/₹100 | offline |
Benefits & Features
Domestic: Unlimited Airport Lounge Access International: Global Unlimited Airport Lounge Access Access to The Chambers Lounge with 12 annual visits.
Fees & Charges
Eligibility
Min Age
25 years
Max Age
75 years
Min Income (Salaried)
₹40,00,000
Min Income (Self-Employed)
₹60,00,000
Available Networks
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