Joining Fee

₹1,10,000

Annual Fee

Rs. 110000 + Taxes

HSBC Bank

Lifestyle

Travel

Rewards

Best For: Frequent Taj Hotels guests, High-net-worth individuals seeking luxury lifestyle benefits, Frequent international travelers, Luxury dining and spa enthusiasts

HSBC Taj Credit Card

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.6667

Pros

Unlimited global airport lounge access
Extensive Taj Hotels privileges including room upgrades and lounge access
Platinum NeuPass Taj InnerCircle membership included
Complimentary spa treatments and pool access
Buy 1 Get 1 movie tickets twice a month
12 complimentary golf games/lessons annually
Chauffeur-driven airport transfers (domestic and international)

Cons

Very high joining and annual fee of INR 1,10,000
Minimum income requirement is very high (INR 40L salaried, INR 60L self-employed)
Available only in select cities in India
Age restriction: 25–75 years only

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Taj Palaces one-night stay voucher offer valid only until 31 March 2026

Chambers Lounge and pool access capped at 12 visits per year

Spa treatment capped at 4 times per year

Duty-free discount limited to once per month with minimum spend

Bicester Village benefits require physical presence and prior registration

Key Benefits & Features

NeuPass Taj InnerCircle Platinum Tier membership with priority/early check-ins and late check-outs

Access to The Chambers Lounge up to 12 times a year for cardholder and a guest

Taj Club Lounge access up to 12 times a year

Access to 'Rendezvous' exclusive networking events with speakers and masterclasses

60-minute spa treatment up to 4 times a year plus sauna and steam room access

Free swimming pool access for 2 up to 12 times a year

Unlimited room upgrades to next category at Taj and participating IHCL hotels

25% savings on Best Available Rate at Taj Hotels and participating IHCL hotels

4 domestic + 4 international chauffeur-driven airport transfers per year

15% savings on duty-free with AdaniOne app (once per month, min order INR 7,500, max discount INR 3,000)

Exclusive Bicester Collection Village privileges: VIP guest experiences, eVIP pass discounts, hands-free shopping, private sale events and reserved parking

Eligibility Criteria

Min. Annual Income

₹40.0 Lakhs

Age Requirement

25+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card

Identity Proof

ADDRESS Proof

Proof of Residence

INCOME Proof

Latest monthly payslip (salaried)

2 years ITR (self-employed)

1 year proof of income (self-employed)

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About HSBC Taj Credit Card

The HSBC Taj Credit Card is a premium lifestyle card designed for high-net-worth individuals seeking unparalleled luxury experiences. Issued on the Visa network with a joining and annual fee of INR 1,10,000, the card grants access to an exclusive world of privileges across Taj, SeleQtions, Gateway, and Vivanta hotels globally. Cardholders receive complimentary hotel stays upon activation, Taj InnerCircle Platinum Tier membership, unlimited room upgrades, 25% savings on the Best Available Rate, and exclusive access to The Chambers Lounge up to 12 times a year. Beyond hotel benefits, the card offers indulgent lifestyle perks including complimentary spa treatments, swimming pool access, and entry to intimate Rendezvous networking events and masterclasses. Travel benefits include unlimited global airport lounge access, four domestic and four international chauffeur-driven airport transfers annually, and savings on Emirates flights. Cardholders also enjoy 12 complimentary golf games and lessons, Buy 1 Get 1 Free movie tickets, and exclusive privileges at The Bicester Collection Villages. The card rewards everyday spending with 1.5 reward points per INR 100 on standard purchases and 5 reward points per INR 100 spent at participating IHCL hotels, redeemable toward stays, dining, and spa experiences. Ideal for frequent Taj hotel guests and luxury lifestyle enthusiasts, this card delivers a curated collection of rare, bespoke experiences.

Expert Review