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HSBC Taj Credit Card

HSBC India

HSBC Taj Credit Card

Data last verified: 11 October 2026

TravelVISA
  • Joining fee₹1,10,000 + GST
  • Annual fee₹1,10,000 + GST
  • Reward rate1.01% on most spends; 3.35% only at partner merchants
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  • Joining fee₹1,10,000 + GST
  • Annual fee₹1,10,000 + GST
  • Forex markup3.5%
  • Interest (APR)3.75% a month, 45% a year

01HSBC Taj Credit Card Rewards and Benefits

Rewards rate
1.01% on most spends; 3.35% only at partner merchants
Reward redemption
Not published
Dining
1.01% back (the normal rate)
Travel
3.35% back only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails; other travel: 1.01% back (the normal rate)
Golf
Not included
Domestic lounge
Unlimited
International lounge
Unlimited
Insurance benefits
Not included

02HSBC Taj Credit Card Annual Fee and Charges

Joining fee
₹1,10,000 + GST
Annual fee
₹1,10,000 + GST
Spend-based waiver
None
Rewards redemption fee
Nil
Forex markup
3.5%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
No
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹20,000 on everything else, earning 1.01%₹202
  • Back each month, ₹2,424 a year₹202
  • Annual fee with 18% GST−₹1,29,800
  • It costs you each year₹1,27,376

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • Travel only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: 3.35% back
  • Frequent flyers: unlimited airport lounge visits

Skip it if…

  • you hope rewards alone will pay the ₹1,29,800 fee: on everyday spend they never do
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: the 3.35% rate applies only there, everything else earns 1.01%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How HSBC Taj Credit Card earns Rewards

1.01% on most spends; 3.35% only at partner merchants.

Earns nothing onFuelWallet loadsRentEducationGovernmentInsuranceUtility billsJewelleryWholesale clubsMoney transfersFinancial institutions

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI
Online shopping1.01%No capThe card's normal rate
Dining and food delivery1.01%No capThe card's normal rate
Groceries1.01%No capThe card's normal rate
Travel: flights, hotels, trains1.01%No capAnywhere else in the category
Travel: flights, hotels, trains, only at listed merchants3.35%No capOnly at: Taj, SeleQtions, Gateway, Vivanta, amã Stays & TrailsTerms: 5 reward points per ₹100 at Taj, SeleQtions, Gateway, Vivanta and amã (KFS list, Ginger earns the base card rate), PLUS 8 NeuCoins per ₹100 (4 at Ginger) earned via Taj InnerCircle NeuPass Platinum
FuelEarns nothing-earns nothing on this card
Bills and rechargesEarns nothing-earns nothing on this card
RentEarns nothing-earns nothing on this card
Insurance premiumsEarns nothing-earns nothing on this card
School and college feesEarns nothing-earns nothing on this card
Wallet top-upsEarns nothing-earns nothing on this card
Taxes and government paymentsEarns nothing-earns nothing on this card
Spend abroad or in a foreign currency1.01%No capThe card's normal rate
Everything else1.01%No capThe card's normal rate

Listed underTravel cardsRewards cardsPremium cardsLifestyle cards

CardAdvisor tagsTravelReward points

Terms on the base rate. 1.5 reward points per ₹100 on all other eligible spends (1.5 RP = ₹1, redeemable only within the IHCL ecosystem, rooms, dining, spa, or as Taj Experience Gift Cards); fuel, wallets, rent, utilities, insurance, education and government spends earn nothing

Point value. 1 point is worth about ₹0.67 at the bank's stated value.

05HSBC Taj Credit Card Lounge Access and Travel

Domestic lounge access is unlimited, international is unlimited. Unlimited domestic and international airport lounge access. The 12 Taj Club and 12 Chambers visits are part of the annual Taj voucher package above (12 + 12 + 12 pool = 36 vouchers) and are valued there, not counted again here. Spending abroad carries a 3.5% forex markup; rewards on it: 1.01% back (the normal rate). See what it costs on your trip

Also on the card. concierge service, golf privileges, hotel membership, insurance cover, airport lounge access, milestone bonuses, movie ticket offers.

  • Concierge service: 24x7 Visa Infinite concierge, plus 4 chauffeur airport transfers per calendar year via Blacklane/Aspire (the T&C's 4-total governs, though the page says 4 domestic + 4 international; offer period 1 Jan-31 Dec 2026)
  • Golf privileges: 12 complimentary golf games and lessons per year via Visa Infinite golf privileges
  • Hotel membership: Taj InnerCircle NeuPass Platinum, priority / in-room check-in, 2-hr early check-in and late checkout, 8 NeuCoins per ₹100 at IHCL (4 at Ginger), unlimited room upgrades to the next category (≤5 nights, up to base suite) and 25% off Best Available Rate and F&B/Qmin
  • Insurance cover: ₹1 crore air accident insurance cover
  • Milestone bonuses: Annual Taj voucher package, on activation or every renewal per T&C, 2 Taj nights with breakfast, 1 Palaces night, 4 meal vouchers, 4 spa treatments and 36 access vouchers (12 Taj Club + 12 Chambers + 12 pool), with blackout dates. Our ₹30,000 is half list: it redeems only inside IHCL
  • Movie ticket offers: BookMyShow buy-one-get-one, a free ticket worth up to ₹1,000, twice a month

06HSBC Taj Credit Card Eligibility and Documents

Age
25 to 75 years
Employment
Salaried or self-employed
Minimum monthly income
₹3,00,000

Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)

07Recent Changes

What HSBC India changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
17 Dec 2024Changed: HSBC and Taj launch India's first super-premium hotel co-brandSource: HSBC India--

See this card's change history → · All card changes in December 2024 →

08Cards Similar to HSBC Taj Credit Card

HSBC Taj Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureHSBC Taj Credit CardHSBC Taj Credit CardFederal Scapia Credit cardFederal Scapia Credit cardIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit Card
Joining fee₹1,10,000 + GSTLifetime freeLifetime free
Annual fee₹1,10,000 + GSTLifetime freeLifetime free
Rewards1.01% on most spends; 3.35% only at partner merchants2% on most spends; 4% only at partner merchants0.38% base, up to 1.25% on dining
Domestic loungeUnlimitedUnlimitedNot included
Forex markup3.5%0%0%
TypeTravelTravelDining
Compare with Federal Scapia Credit cardCompare with IDFC FIRST Millennia Credit Card

09Explore More

All HSBC India productsEvery card, loan and account from HSBC India on SkyloFinTravel credit cardsEvery travel card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the joining fee for the HSBC Taj Credit Card?

The joining fee is ₹1,10,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the HSBC Taj Credit Card?

The annual fee is ₹1,10,000 + GST.

Does the HSBC Taj Credit Card give airport lounge access?

Yes. Domestic lounge access is unlimited, international is unlimited. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with HSBC India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

HSBC Taj Credit CardJoining fee: ₹1,10,000 + GST
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