HSBC Taj Credit Card
Updated 3 Jul 2026Source-linked
The HSBC Taj Credit Card is a super premium co-branded credit card from HSBC India and Taj (IHCL), with a joining fee of ₹60,000 + GST.
Cardholders get 12 annual domestic + unlimited annual international airport lounge access, plus complimentary 1-night stay at taj palaces + extra one-night voucher; taj innercircle platinum tier membership as a welcome benefit.
HSBC Taj Credit Card
- Joining Fee₹60,000
- Annual Fee₹60,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 1.00%
Welcome Benefits
- Complimentary 1-night stay at Taj Palaces + extra one-night voucher; Taj InnerCircle Platinum Tier membership
Rewards and Benefits
Rewards Rate
Base 1.00% on other spends.
Reward Redemption
HSBC Taj Credit Card Wallet: Redeem at ₹0.2 per unit.
Welcome Benefits
Complimentary 1-night stay at Taj Palaces + extra one-night voucher; Taj InnerCircle Platinum Tier membership
Milestone Rewards
N/A
Domestic Lounge Access
12 visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
Up to 25% off via EazyDiner
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- IHCL concierge + travel privileges — Dedicated IHCL concierge desk; savings on Emirates flights; complimentary limousine transfers; 4 vouchers for stays at Taj/IHCL hotels.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded super premium card by HSBC India and Taj (IHCL).
- Joining / annual fee of ₹60,000 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (12/annual) + international (unlimited/annual).
Pros & Cons
Pros
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
Cons
- High annual fee of ₹60,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
₹40,000 welcome benefit
- Complimentary 1-night stay at Taj Palaces + extra one-night voucher; Taj InnerCircle Platinum Tier membershipCard activationWindow: 90 days from issuance.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
12 visit(s) / annual. Via mastercard. Guests: 1.
Taj Club Lounge access up to 12 times/year for cardholder + guest.
International
Unlimited visit(s) / annual. Via loungekey. Guests: 1.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Other benefits
- IHCL concierge + travel privileges. Dedicated IHCL concierge desk; savings on Emirates flights; complimentary limousine transfers; 4 vouchers for stays at Taj/IHCL hotels.
Sources
- : www.hsbc.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 780+
- Income (salaried)
- ₹40,00,000 p.a.
- Income (self-employed)
- ₹40,00,000 p.a.