Compare : HSBC Taj Credit Card vs Axis Bank Reserve Credit Card

Free night stay (plus breakfast) at a Taj Palace hotel and 2 nights at any participating hotel.

50,000 bonus reward points after the payment of joining fee

5 reward points for every Rs. 100 spent on participating hotels- Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails bungalows

1.5 reward points for every Rs. 100 spent

1.5 reward points = Rs. 1, credited in HSBC Taj Credit Card Wallet balance

15 EDGE reward points for every Rs. 200 spent

30 EDGE reward points for every Rs. 200 spent internationally

Conversion of rewards into Air Miles or Hotel Loyalty Points at a ratio of 5:2

Unlimited lounge access

Priority Pass membership with unlimited international & domestic lounge visits for all cardholders with 12 free guest visits per year

Unlimited room upgrades

Benefits not limited to one but seven hotel chains

Straight-forward lifestyle benefits via partner brands

Complimentary Taj InnerCircle Platinum NeuPass membership

Unlimited lounge visits

Complimentary memberships of premium hotels

Low forex mark-up fee of 1.5%

No cash withdrawal charges

High income eligibility

Reward redemption limited to participating hotels

Brand specific benefits can be limiting for some users

Very high annual fee of Rs. 50,000

High annual fee waiver criteria

Low reward redemption rate

Division of partners in Miles Transfer Program

Exclusions of some everyday spend types from rewards program

Frequent travellers seeking luxurious travel perks

Frequent travellers who are looking for a card with premium benefits and do not mind paying a high annual fee