Travel on Points

HSBC Taj Credit Card

Apply Now
  • Joining fee

    ₹1,10,000 + GST

  • Annual fee

    ₹1,10,000 + GST

  • Best suited for

    Travel, Shopping, Stays

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    5 RPs/₹100 Spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails Bungalows. 1.5 RPs/₹100 on All Other Eligible Purchases

  • Welcome benefits

    Two Breakfast-Inclusive Taj Hotel Stays + One Taj Palace Stay On Activation, Plus An Extra Palace Voucher (Valid Till 30th September 2026)

  • Reward redemption

    Use RPs at Participating Indian and Global Hotels. 1.5 RPs = ₹1

Benefits

  • Movie & dining

    BOGO on Movies and Discounts at PVR, Swiggy, Zomato, and Starbucks.

  • Travel

    4 Chauffeur-Driven Limousine Transfers in a Year and 15% Discount at Adani One

  • Domestic lounge

    Unlimited Airport Lounge Access

  • International lounge

    Global Unlimited Airport Lounge Access

  • Golf

    Enjoy 12 Complimentary Golf Games & Lessons Every Year

  • Insurance

    Air Accident Cover Up to ₹1 Crore

Fees & charges

  • Foreign currency markup

    Zero

  • Interest rates

    3.75% Per Month (45% Per Annum)

  • Fuel surcharge waiver

    Waiver for Fuel Transactions Between ₹400 and ₹4,000

  • Cash advance charges

    2.5% of the Transaction Amount (Minimum ₹300)

Product highlights

  • The HSBC Taj Credit Card is a co-branded credit card that offers the best-in-class privileges at Taj and other partnered hotels.
  • This card comes at a joining and annual charge of ₹1,10,000 + GST.
  • Access to the Chambers Lounge.
  • Discounts on services at participating hotels.
  • Get upgraded to Taj Innercircle NeuPass Platinum Tier with the HSBC Taj Credit Card.

Pros & cons

Pros

  • Those who often stay at IHCL Hotels can definitely get the most out of this luxurious offering, which offers many vouchers and privileges.

Cons

  • This card has a high joining fee of ₹1.10 lakh, making it unattainable for most people. It is designed exclusively for the ultra-wealthy, which is its intended purpose. However, it would be nice to hope for a more inclusive Taj Hotel Credit Card in the future.
  • For a card with such high fees, the base reward rate of 1% is quite disappointing.

FAQs

Can I transfer my HSBC Taj gift vouchers?

No, the HSBC Taj gift vouchers are valid only for cardholders and cannot be transferred to any other individual.

Where can I use my Reward Points transferred to the HSBC Taj Credit Card Wallet?

The HSBC Taj Credit Card Wallet can be redeemed for expenses incurred on rooms, food and beverages, spa treatments, and other services at Taj, SeleQtions, Gateway, and Vivanta hotels, as well as Ama Trails & Stays in India. However, it cannot be used for retail purchases at third-party outlets, equipment rental from business centers, services hired from third-party sources, expenses related to banquets, conferences, and events, personal expenses, or membership program fees.