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  • HSBC Taj Credit Card
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    HSBC Bank

    HSBC Taj Credit Card

    cat name Travel
    cat name Premium
    4.0/5.0

    Travel4.0/5

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    Co-branded Benefits4.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹110,000* Plus Applicable Taxes

    Hotel

    Hotel

    VIP privileges at select Taj Properties

    Rewards

    Rewards

    Up to 5 reward points on every Rs. 100

    Lounge Access

    Lounge Access

    Unlimited access in India and abroad

    Updated on December 19, 2025 5:16 pm

    Author: Megha Khanna

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    About The CardHotel & other Travel BenefitsRewards & Lifestyle PrivilegesFees & ChargesThings to KnowCard ReviewFAQs

    About HSBC Taj Credit Card

    HSBC Taj Credit Card, offered in partnership with the Indian Hotels Company Ltd (IHCL), is a co-branded hotel credit card tailored to the needs of affluent consumers who value luxury travel and hospitality experiences. While the Marriott Bonvoy HDFC Credit Card introduced India to hotel co-branded credit cards in the mid-range segment last year, the HSBC Taj Credit Card is India’s first hotel co-branded card in the super-premium category. With an annual fee of Rs. 1.10 Lakh, it also becomes one of the costliest credit cards in India.

    Cardholders get exclusive benefits not just with Taj Properties but also across other hotel chains under the IHCL Group, including SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails.

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    Hotel and Travel Benefits

    Activation Benefit:

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

    Memberships:

    • Taj InnerCircle Platinum NeuPass membership covering benefits like priority/early check-ins, late check-outs, dedicated 24/7 Platinum concierge service, additional NeuCoin reward points, a special welcome service; happy hours;  and more at participating hotels.
    • Free access to India’s premier executive business club, The Chambers Lounge and Taj Club Lounge with tea/coffee for 21

    Benefits at Taj Hotels

    • Unlimited room upgrades to the next level of room or suite at participating hotels2
    • 25% savings on the best available rate for room/suite at Taj Palaces, Safaris and other properties
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    Rewards & Other Lifestyle Benefits

    Rewards Program

    • 5 reward points for every Rs. 100 spent on participating hotel chains5
    • 1.5 reward points for every Rs. 100 spent
    • 1.5 reward points = Rs. 1, credited in HSBC Taj Credit Card Wallet balance

    Discount with Select Brands

    • 50% off at Starbucks 4 times a month (max. total savings Rs. 150)
    • 25% off at Tira (min. spend Rs. 2,499; max. total savings Rs. 750)
    • 2 for 1 movie and event tickets through Book My Show (max. ticket value Rs. 750 each)
    • 12% off at Zomato (min. spend Rs. 2,499; max. total savings Rs. 500)
    View More
    Prior to this card launch, HDFC Bank’s Marriott Bonvoy was the only co-branded hotel credit card in India. It also covers multiple hotel chains in its rewards program. However, in comparison, the Marriott Bonvoy card comes at a very low annual fee of Rs. 3,000.Though hotel benefits are not the primary feature on most credit cards, many premium credit cards also offer features around multiple hotel chains. On that basis, considering the high fee and target segment, HSBC Taj card competes with some high-end cards like HDFC Infinia, IDFC FIRST Private, Axis Bank Burgundy Private, and American Express® Platinum Card, among others.

    HSBC Taj Credit Card: Fees & Charges

    Fee Type Amount
    Annual Fee Rs. 1,10,000
    Joining Fee Rs. 1,10,000
    Finance Charges 3.75% per month | 45% per annum
    Forex Markup Fee 3.5% (waived off for India’s executive banking clients)
    Late Payment Charges 100% of minimum payment due (minimum Rs. 250 and maximum Rs. 1,200 per month)

    Things to Know Before you apply

    Eligibility Requirements:

    Age: Between 25 years and 75 years

    Minimum income of Rs. 40 lakhs per year for salaried

    Minimum income of Rs. 60 lakhs per year for self-employed individuals

    Serviceable Cities: Delhi, Delhi-NCR, Chandigarh, Jaipur, Mumbai, Pune, Ahmedabad, Kolkata, Bengaluru, Chennai, Hyderabad, Kochi, Coimbatore

    Other Premium Cards:

    HDFC Bank Infinia

    Paisabazaar Review

    Overall Rating

    4.0/5

    Travel4.0/5

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    Co-branded Benefits4.5/5

    What do we like about this card?

    Despite being a hotel credit card, the card does not lose its focus from all-round travel benefits expected out of a premium card: unlimited lounge access and a travel concierge. Additionally, unlike many cards that keep the benefits restored to primary cardholders, this card offers most of the hotel privileges for two people.

    Pros

    • 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

    Cons

    • High income eligibility
    • Reward redemption limited to participating hotels
    • Brand specific benefits can be limiting for some users

    Conclusion

    HSBC Taj offers 1% value back (as reward points) on general spends and an accelerated 3.33% return on hotel bookings at partnered properties. Though the returns might look comparatively low for a premium card, rewards should not be considered as the core benefit for this card. Maximizing returns on hotel stays should be a priority when choosing this card. Consumers who seek premium benefits and prefer luxury hospitality experiences, particularly at the Taj Group of Hotels, can make the most of this card.

    Frequently Asked Questions

    Everything you need to know about this credit card

    To apply for an HSBC Taj Credit Card, cardholders need to submit proof of residence, identity proof and their permanent account number (PAN) card. Additionally, income proofs such as the latest salary slip may be required if you\'re a salaried employee.

    The complimentary Platinum NeuPass membership offered on the card offers benefits like additional NeuCoins/points; early/priority check-in and late check-out; unlimited room upgrades to the next category, happy hours and a dedicated customer care service among other benefits.

    The card charges a forex markup fee of 3.5% of the transaction amount. However, the fee is waived off for India’s executive banking clients.

    You can contact the bank at their toll-free number 1800 569 1111.

    Yes, the card offers fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 on all fuel pumps.
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    Footnotes

    1. Free access to The Chambers Lounge and Taj Club Lounge is capped at up to 12 times a year, each.
    2. Unlimited room upgrades to the next level of room or suite at participating hotels is aplicabble on stays of up to 5 consecutive nights.
    3. Free swimming pool access is capped at up to 12 times a year.
    4. Use code- INHSBCT to avail discount on Emirates flights originating in India.
    5. Participating hotels: Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails bungalows.

    Click here to know More Terms and Conditions

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

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