HSBC Taj Credit Card
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.
- Joining Fee₹60,000
- Annual Fee₹60,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- Base rate 1.00%
- Complimentary 1-night stay at Taj Palaces + extra one-night voucher; Taj InnerCircle Platinum Tier membership
Rewards and Benefits
- IHCL concierge + travel privileges — Dedicated IHCL concierge desk; savings on Emirates flights; complimentary limousine transfers; 4 vouchers for stays at Taj/IHCL hotels.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
₹5,520 rewards − ₹60,000 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- 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
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.