HSBC Taj Credit Card
HSBC India
Annual / renewal fee
- ₹1,10,000 (applicable on each anniversary; no annual fee on add-on cards).
- Standard annual fees for first year NIL.
VerifiedHSBC Taj Credit Card – Most Important Terms & Conditions (MITC)4 Aug 2026, 1:25 AM ISTHSBC India
Earn rate
- 1.5 Reward Points per ₹100 spent on the card.
- 5 Reward Points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta hotels and ama Stays & Trails bungalows.
- After statement generation, points are auto-converted to Taj Experience Gift Card balance (1.5 Reward Points = 1 TEGC = ₹1).
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
By invitation only
Existing cardholders keep all their benefits. Based on our last check, this card is issued by invitation only — you cannot apply directly. The issuer selects candidates based on their own internal criteria and reaches out.
Doorman recheck 2026-09-02T06:39:31.966Z: marketing_page https://www.hsbc.co.in/content/dam/hsbc/in/documents/credit-cards/taj/hsbc-taj-important-terms-and-conditions.pdf → HTTP 200; names_product=false; "%PDF-1.4 %���� 55 0 obj > endobj xref 55 26 0000000016 00000 n 0000000945 00000 n 0000001340 00000 n 0000002134 00000 n 0000005873 00000 n 0000005986 00000 n 0000006097 00000 n 0000006630 00000 n 0000006777 00000 n 00000"
Overview
HSBC Taj Credit Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹1,10,000 + applicable taxes (payable post activation of the Credit Card).
- NIL for add-on cards.
VerifiedHSBC Taj Credit Card – Most Important Terms & Conditions (MITC)4 Aug 2026, 1:25 AM ISTHSBC India
Annual / renewal fee
- ₹1,10,000 (applicable on each anniversary; no annual fee on add-on cards).
- Standard annual fees for first year NIL.
VerifiedHSBC Taj Credit Card – Most Important Terms & Conditions (MITC)4 Aug 2026, 1:25 AM ISTHSBC India
Fee waiver
Annual fee of ₹1,10,000 waived off only if the minimum spends on the card is more than ₹50,00,000 in the FY for which the annual fee is charged.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Rewards
- 1.5 Reward Points per ₹100 spent on the card.
- 5 Reward Points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta hotels and ama Stays & Trails bungalows.
- After statement generation, points are auto-converted to Taj Experience Gift Card balance (1.5 Reward Points = 1 TEGC = ₹1).
Verifiedharvested from product page4 Aug 2026, 1:25 AM IST
Reward cap
- Taj Innercircle NeuPass Platinum tier: 8 NeuCoins per ₹100 of eligible spends (net of taxes) at participating IHCL Hotels and 4 NeuCoins per ₹100 at participating Ginger Hotels.
- NeuCoins earned only on direct bookings via Taj channels.
- Customer Points/NeuCoins redeemable/giftable as Taj Experience Gift Cards for a minimum amount of INR 1000.
VerifiedHSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)4 Aug 2026, 1:25 AM ISTHSBC India
Reward exclusion
For transactions eligible for fuel surcharge waiver, reward points will not be awarded.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Travel & lounge
Lounge access
- International: complimentary Priority Pass membership giving access to 1700+ lounges globally, unlimited complimentary international airport lounge visits per calendar year (primary cardholders only; USD 1 pre-authorization reversed within 5 working days).
- Domestic: VISA India airport lounge access programme on select lounges in India (one entry per cardholder; INR 2 validation authorization).
- Also 12 access vouchers to The Taj Club Lounge for two persons, 12 access vouchers to The Chambers Lounge for two persons, and 12 access vouchers to the Pool for two persons (issued at activation/renewal).
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Hotel benefit
- Vouchers issued at activation or renewal: 2 vouchers for One Night Stay incl. breakfast for two persons (base category, not at Taj Palaces/Taj Safaris/Tree of Life/Ginger/ama Stays & Trails).
- 1 voucher for One Night Stay incl. breakfast for two persons at Grand Palaces.
- 4 vouchers of Meal for Two persons at Signature/All-Day Dining restaurants.
- 4 vouchers of Sixty Minute Spa Treatment + sauna/steam access for one person.
- 25% Savings on Best Available Rates (room only & breakfast inclusive rates) year-round on direct bookings.
- Unlimited complimentary room upgrade to next category (up to 5 consecutive nights).
- 4 upgrade E-Vouchers to Taj Club rooms.
- Happy Hours (complimentary alcohol) 6-8pm daily for resident guest and partner.
- Also 25% discount on F&B, 25% on Qmin food deliveries and 25% on Spa at participating hotels.
VerifiedHSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)4 Aug 2026, 1:25 AM ISTHSBC India
Travel benefit
- Chauffeur-driven luxury airport transfers via Blacklane (Domestic + International) through Aspire Global concierge: 4 complimentary airport transfers (domestic or international) per card per calendar year (once per card per calendar year), 1 Jan 2026 to 31 Dec 2026.
- Domestic limit 80 km (Mumbai, New Delhi, Bangalore, Chennai, Hyderabad), international limit USD 180.
- Airport transfer via Ecos Mobility (Domestic only): 4 complimentary domestic airport transfers per Offer Period, once per quarter.
- Personal travel insurance covering cardholders for up to ₹1 crore in the event of loss of life in an air accident, plus Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document and Delayed baggage covers.
- Business Class offer on MakeMyTrip: up to 12% instant discount (max ₹5,000) on domestic and up to 20% (max ₹20,000) on international Business Class bookings, 4 bookings per card per year.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- On card activation/renewal: 2 vouchers for One Night Stay inclusive of Breakfast for Two Persons (base category room, participating hotels in India).
- 1 voucher for One Night Stay inclusive of Breakfast for Two Persons at Palaces (Grand Palaces).
- 4 vouchers of Meal for Two persons.
- 4 vouchers of Sixty Minute Spa Treatment and Access to Sauna and Steam for One Person.
- 12 Access Vouchers to The Taj Club Lounge for Two Persons.
- 12 Access Vouchers to The Chambers Lounge for Two Persons.
- 12 Access Vouchers to the Pool for Two Persons.
- Vouchers credited to account within 8 working days post activation/renewal.
- Threshold not stated on official source.
VerifiedHSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)4 Aug 2026, 1:25 AM ISTHSBC India
Concierge
- Complimentary chauffeur-driven luxury airport transfers: via Blacklane (domestic + international) - 4 complimentary airport transfers per card per calendar year (domestic limit 80 km in Mumbai/New Delhi/Bangalore/Chennai/Hyderabad; international limit USD 180), booked via Aspire Global concierge with 72-hour minimum lead time.
- And via Ecos Mobility (domestic only) - 4 complimentary domestic airport transfers per Offer Period, once per quarter.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Dining benefit
- 25% Discount on Food and Beverages (including alcohol) across participating Taj, SeleQtions, Gateway and Vivanta Hotels across the globe (for group size up to 10 customers), for dining, take away and in-room service.
- Discount calculated on bill value excluding taxes. 25% Discount on Qmin Food Deliveries (via Qmin mobile app, order value above ₹1,500 excluding taxes). 25% Discount on Spa (J Wellness Circle/Jiva Spa's across participating hotels).
- Not applicable on 1st January, 14th February and 24th, 25th and 31st December.
VerifiedHSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)4 Aug 2026, 1:25 AM ISTHSBC India
Golf benefit
Happy Hours at designated lounge/bars across all participating hotels: complimentary alcoholic and non-alcoholic beverages (served by standard peg measure or by the glass) for the Customer and partner, whilst staying in-house (resident guests only), between 6:00 pm and 8:00 pm on all days of the week.
VerifiedHSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)4 Aug 2026, 1:25 AM ISTHSBC India
Insurance
- Personal travel insurance covering HSBC Taj Cardholders up to ₹1 crore in the event of loss of life in an air accident, plus travel-related covers (Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document, Delayed baggage).
- Lost card liability: nil after reporting.
- Also covered for misuse up to 24 hours before reporting and 7 days after reporting, for up to ₹10,00,000.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Eligibility
Eligibility
- By invite only.
- Aged 25 to 75 years.
- Minimum income ₹40 lakhs/year (salaried) or ₹60 lakhs/year (self employed).
- Indian Resident.
- Serviceable cities: Delhi, Delhi-NCR, Chandigarh, Jaipur, Mumbai, Pune, Ahmedabad, Kolkata, Bengaluru, Chennai, Hyderabad, Kochi, Coimbatore.
VerifiedHSBC Taj Credit Card – Most Important Terms & Conditions (MITC)4 Aug 2026, 1:25 AM ISTHSBC India
Charges & interest
Forex markup
- 3.5% on foreign currency transactions (waived off only for India's executive banking clients).
- KFS lists Taj co-brand currency conversion charge as 1.99%.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Fuel surcharge waiver
- Fuel surcharge waiver: 1% of fuel transaction value waived if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (both inclusive, excluding surcharge amount).
- Reward points not awarded on transactions eligible for surcharge waiver.
Verifiedharvested from product page4 Aug 2026, 1:25 AM ISTHSBC India
Interest-free period
- Up to 48 days free credit period.
- Not valid if any balance of the previous month's bill is outstanding.
- Not applicable for cash advance transactions.
VerifiedHSBC Taj Credit Card – Most Important Terms & Conditions (MITC)4 Aug 2026, 1:25 AM ISTHSBC India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HSBC Taj Credit Card?
Officially traced: Rs. 1,10,000 (applicable on each anniversary; no annual fee on add-on cards).
HSBC Taj Credit Card – Most Important Terms & Conditions (MITC)What is the joining fee on the HSBC Taj Credit Card?
Officially traced: Rs. 1,10,000 + applicable taxes (payable post activation of the Credit Card).
HSBC Taj Credit Card – Most Important Terms & Conditions (MITC)Is the HSBC Taj Credit Card annual fee ever waived?
Annual fee of Rs. 1,10,000 waived off only if the minimum spends on the card is more than Rs. 50,00,000 in the FY for which the annual fee is charged.
harvested from product pageHow does the HSBC Taj Credit Card earn rewards?
1.5 Reward Points per Rs. 100 spent on the card; 5 Reward Points per Rs. 100 spent at Taj, SeleQtions, Gateway, Vivanta hotels and ama Stays & Trails bungalows.
harvested from product pageWhat lounge access does the HSBC Taj Credit Card include?
International: complimentary Priority Pass membership giving access to 1700+ lounges globally, unlimited complimentary international airport lounge visits per calendar year (primary cardholders only; USD 1 pre-authorization reversed.
harvested from product pageWhat welcome benefit does the HSBC Taj Credit Card offer?
On card activation/renewal: 2 vouchers for One Night Stay inclusive of Breakfast for Two Persons (base category room, participating hotels in India); 1 voucher for One Night Stay inclusive of Breakfast for Two Persons at Palaces (Grand.
HSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms)What are the transfer ratios for HSBC Taj Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the HSBC Taj Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )