HSBC Taj Credit Card
HSBC India
HSBC Taj Credit Card
HSBC India
Annual Fee
₹10,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About HSBC Taj Credit Card
HSBC Taj co-branded premium card with accelerated points on Taj Hotel stays, dining and spa. Complimentary Taj InnerCircle membership.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic & International Lounge
- check_circleZero forex markup on international transactions
- check_circleTaj InnerCircle Membership
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹10,000 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 3% | 300 pts≈ ₹300 |
| All other spends | 2% | 200 pts≈ ₹200 |
| All other spends | 1% | 100 pts≈ ₹100 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HSBC India rewards portal. Redemption value may vary by option.
Card Benefits
Taj InnerCircle Membership
Complimentary Taj InnerCircle Silver membership with hotel benefits
~₹8,000/yr value
Domestic & International Lounge
6 complimentary lounge visits per year (domestic + international)
~₹9,000/yr value
Taj Hotel Dining Benefits
25% discount on food and beverages at Taj hotel restaurants
~₹6,000/yr value
Travel Insurance
Overseas travel insurance cover
~₹4,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Anniversary Renewal Benefit – 1 Extra Night at Taj Palaces: Complimentary voucher for one extra night stay at Taj Palaces hotels as an annual renewal benefit on each card anniversary year. Voucher valid for 6 months from issuance.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HSBC India website.
| Annual Fee | ₹10,000 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HSBC Taj Credit Card.
Ready to apply for HSBC Taj Credit Card?
Apply directly on the HSBC India website. Most decisions within 7–10 working days.
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