HSBC Taj Credit Card credit card
Super Premium Zero Forex

HSBC Taj Credit Card

HSBC logo HSBC
5.0
CardTrail Score
Decent
out of 10
Net Value
1.0
Accessibility
5.0
Feature Depth
9.0
Bank Trust
8.0
How we score →
Annual Fee
₹1,10,000
Forex Markup
0%
No extra charge
Reward Rate
1%
Up to 3.33%
Lounge Access
12
domestic | 0 intl

About This Card

The HSBC Taj Credit Card is India's most premium co-branded hotel card at Rs 1.1L+GST annual fee. It delivers 2 complimentary Taj hotel nights, a Palace stay, Taj InnerCircle Platinum membership, and exclusive Chambers Lounge access — purely for Taj loyalists.

Pros & Cons

Pros

  • Complimentary Taj Palace stay on activation
  • 2 annual complimentary nights at Taj hotels with breakfast
  • Exclusive Chambers Lounge access (12 visits/year)
  • Zero forex markup for international transactions

Cons

  • Rs 1.1L + GST annual fee — India's most expensive credit card
  • Requires Rs 40L+ annual income (salaried)
  • Benefits heavily tied to Taj hotel ecosystem
  • Available only in select cities

Fee Details

Annual Fee
₹1,10,000
Joining Fee
₹1,10,000
Fee Waiver Condition
Fuel Surcharge Waiver
No
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
3.33%
Currency
Reward Points (HSBC Taj Wallet)
Welcome Bonus
Complimentary one-night Palace stay with breakfast for two

Lounge Access

Domestic Lounges
12
per year
International Lounges
0

Key Highlights

  • 2 complimentary one-night Taj hotel stays with breakfast annually
  • Taj InnerCircle Platinum NeuPass membership included
  • 12 visits to The Chambers Lounge per year
  • 5 RP per Rs 100 at Taj properties (1.5 RP = Rs 1)

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Active Offers (1)

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2X reward points on international spends

Earn double reward points on all international transactions with HSBC credit cards. Points transferable to airline miles.

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Quick Summary

Best For
luxury travel hotels
Annual Fee ₹1,10,000
Base Reward 1%
Max Reward 3.33%
Forex Markup 0%
Network Visa
Min Income ₹40L+

CardTrail Score

5.0
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

luxury travel hotels taj stays

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