HSBC Taj Credit Card
Fees
₹4,999 + Taxes
Joining & annual
Reward Rate
1.5 reward points per ₹100 on standard spends; 5 reward points per ₹100 at Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails properties (~1% general / ~3.33% Taj Group value-back); 1.5 points = ₹1 in HSBC Taj Wallet balance
Welcome Bonus
Complimentary Taj Epicure membership upgrade and Taj stay vouchers on activation
Lounge
Domestic + International
Our Expert Take
HSBC Taj is a hospitality-focused card built around IHCL's Taj, SeleQtions and Vivanta properties: expect room upgrade access, stay discounts and accelerated points on hotel bookings, alongside standard lounge access. It's a niche pick that only makes sense if you're already a frequent Taj Group guest; the exact reward multipliers aren't as clearly disclosed as on some competing hotel cards, so confirm current terms before applying.
Pros & Cons
Key Advantages
- Deep integration with Taj, SeleQtions and Vivanta properties, including room upgrades and stay discounts
- Domestic and international airport lounge access included
- 5 reward points per ₹100 at Taj Group hotels, versus 1.5 points per ₹100 on standard spends
Limitations
- Most of the card's value is concentrated in IHCL properties (Taj, SeleQtions, Vivanta), so it offers little outside that hotel group
- Premium upfront recurring maintenance fee barrier
Key Perks & Spending Milestones
Complimentary Taj Epicure tier status activation unlocking flat 10% to 20% room and spa discounts
5 reward points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails (1.5 points = ₹1)
Complimentary international airport lounge access visits per year via integrated Priority Pass parameters
Complimentary domestic lounge access visits across select high tier Indian terminals
1% fuel surcharge waiver valid across all computerized pumps in India
Spend milestone
Spend milestones unlock complimentary stay certificates and room upgrades
Fees & Charges
Joining fee
₹4,999 + Taxes
Annual fee
₹4,999 + Taxes
Annual fee waived on crossing high annual spend milestones
Interest rate
3.5% per month (42% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Excellent (760+), Premium High Salary verified thresholds