HSBC Taj Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns reward points
First-year fee
₹1,10,000 to join.
Annual fee
There is also an annual fee ₹1,10,000, which is paid annually once you've had the card for 12 months.
What it gives back
1.5 reward points per ₹100 · everyday spends
Our calculation
1% value back
How it compares
Compared with the cards we have read
Fees
Annual fee
There is also an annual fee ₹1,10,000, which is paid annually once you've had the card for 12 months.
Joining fee
₹1,10,000 to join.
Welcome offer
Welcome benefit
Get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces when you activate your card
Rewards
Reward rate
1.5 reward points per ₹100 · everyday spends1.5 reward points for every ₹100 you spend on standard purchase.
Fuel earning
No reward points will be awarded on following categories: Fuel related.
Travel earning
5 reward points for every ₹100 you spend with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows.
Utilities earning
No reward points will be awarded on following categories: utilities – electric, gas, water and sanitary.
Reward exclusions
No reward points will be awarded on following categories: Fuel related, e-wallets, rental payments, education and government related transactions including tax payments, Insurance payments, Jewelry and antique items, cash withdrawals, credit repayments
Catalogue redemption
1.5 reward points = ₹1 in your HSBC Taj Credit Card Wallet balance.
Hotel redemption
Reward points can be used towards stays, food and beverages, and spa treatments at Taj and other participating IHCL hotels.
Card benefits
Lounge benefit
Relax before you fly with unlimited airport lounge access globally.
Hotel or travel programme
Get exclusive 25% savings on the Best Available Rate at Taj Hotels and other participating IHCL hotels
Hotel or travel programme
Enjoy 4 domestic + 4 international chauffer-driven airport transfers in a year.
Dining programme
Enjoy 25% savings on food and beverages and Qmin deliveries.
Golf
Enjoy 12 complimentary golf games and lessons every year.
Concierge
Manage bookings by calling HSBC on 1800 569 1111, or the IHCL concierge desk on 1800 202 5575
Benefit given each anniversary year
Each year: a 60-minute spa treatment up to 4 times, free swimming pool access for 2 up to 12 times, The Chambers Lounge up to 12 times for you and a guest, and the Taj Club Lounge up to 12 times
Membership tiers and what unlocks them
NeuPass Taj InnerCircle Platinum Tier membership, with priority/early check-ins, late check-outs and a dedicated 24/7 Platinum customer care service.
Movie or entertainment ticket benefit
Buy 1 Get 1 Free tickets through Book My Show (max discount per ticket ₹1,000 each, valid twice a month)
Charges
Forex markup
3.5% on foreign currency transactions.3.5% (waived off for India’s executive banking clients)
Cash advance fee
2.5% of the transaction amount (subject to a minimum amount of ₹300)
Interest on unpaid balance
3.75% per month (45% per annum), computed from the date of transaction.
Interest-free period
Up to 48 days free credit period
Late payment fee
100% of the Minimum Payment Due (MPD), subject to minimum of ₹250 and maximum of ₹1200 per month
Eligibility
Income requirement
Annual income of at least ₹36 lakhs if salaried, or ₹45 lakhs if self employed.
Minimum age
Be 25 to 75 years old.
Documents required
Proof of residence, identity proof and PAN card; latest monthly payslip if salaried, or 2 years' ITR and 1 year's proof of income if self employed.
Residency
Indian resident (or an existing HSBC India bank account if non-resident Indian); reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.