HSBC Taj Credit Card
HSBC India · Open to apply
A metal Visa Infinite co-brand with Taj (IHCL): stay, dining, spa and lounge vouchers on activation and renewal, Taj InnerCircle NeuPass Platinum status, 5 reward points per ₹100 at Taj, SeleQtions, Gateway and Vivanta hotels and 1.5 elsewhere (1.5 points = ₹1 of Taj credit). ₹1,10,000 joining and annual fee.
- Annual fee
- ₹1,10,000 + GST a year
- Joining fee
- ₹1,10,000 + GST
- Base rate
- All eligible spends, 1.5 points per ₹100: 1.5 HSBC reward points (converted to Taj credit) per ₹100 (about 1% at cash value)
- Lounges
- International: unlimited visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Taj, SeleQtions, Gateway, Vivanta and amã Stays & Trails, 5 points per ₹100: 5 HSBC reward points (converted to Taj credit) per ₹100 (about 3.33% at cash value)
Earns nothing on
- No points on utilities, tax, rent, insurance, fuel, wallets, jewellery, education, government, cash and money transfer
Where the sources disagree
- Minimum income: The MITC says ₹40 lakh a year for salaried and ₹60 lakh for self-employed individuals; the product page says ₹36 lakh and ₹45 lakh; the page also lists 21 serviceable cities against 13 in the MITC. We use the MITC (the more specific document, PDF last modified 28 July 2026), though the page may be newer.
- Invitation: The MITC says the card is offered on an invite basis; the product page takes a callback request from anyone. Entered as open.
- Fuel surcharge waiver: The Key Fact Statement shows the fuel surcharge waiver as "NA" for the Taj card; the service guide says the card "provides you with the unique benefit and convenience of a petrol surcharge waiver" on fills of ₹400 to ₹4,000 (the same wording as the Premier guide). We enter no waiver, as the KFS says.
- Cash advance limit and overlimit fee: The Key Fact Statement gives a cash advance limit of 20% of the credit limit and an overlimit fee of 2.5% or ₹500 (whichever is higher); the MITC gives up to 30% and ₹500 a month. Neither feeds the calculator.
Terms the calculator does not value
- The activation and renewal vouchers (stays, meals, spa, lounge and pool access, room upgrades) have no stated rupee value, so the first year is a welcome item and the renewal is only listed here; neither is valued.
- Points expire after 1 year and convert only to Taj credit usable at IHCL properties; the value is entered as ₹0.6667 a point at IHCL.
- Domestic airport lounge access is on the Visa India programme at listed lounges; the lounge T&C gives no number of visits, so it is not entered (the page says "unlimited airport lounge access globally").
- The page also gives no points on wholesale clubs (MCC 5300), which sit inside our online-shopping category and so are not entered as an exclusion.
- Chauffeur transfers, Chambers Lounge, EazyDiner, MakeMyTrip, Yatra, Reliance Brands, Dyson and Unicorn offers are partner offers with their own T&C (not read).
Sources
- HSBC Taj Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- HSBC Taj Credit Card Important Terms and Conditions (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- HSBC credit card Key Fact Statement (Taj column; undated) (Schedule of charges, the bank's own, read 6 Nov 2026)
- HSBC Taj Credit Card service guide (Reward terms, the bank's own, read 6 Nov 2026)
- HSBC Rewards Marketplace terms and conditions (exclusion criteria for HSBC Privé and HSBC Taj) (Reward terms, the bank's own, read 6 Nov 2026)
- HSBC Taj Credit Card vouchers and benefits terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- Airport lounge access using HSBC Taj Credit Card terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)