Prior to this card launch, HDFC Bank’s Marriott Bonvoy was the only co-branded hotel credit card in India. It also covers multiple hotel chains in its rewards program. However, in comparison, the Marriott Bonvoy card comes at a very low annual fee of Rs. 3,000.Though hotel benefits are not the primary feature on most credit cards, many premium credit cards also offer features around multiple hotel chains. On that basis, considering the high fee and target segment, HSBC Taj card competes with some high-end cards like HDFC Infinia, American Express® Platinum Card, etc.
HSBC Bank
HSBC Taj Credit Card
Travel
Lounge Access
Co-branded
1st Year Fee: ₹110,000* Plus Applicable Taxes
Rewards
Up to 5 reward points on every Rs. 100
Hotel
VIP privileges at Taj Hotel Chains
Lounge Access
Unlimited access in India and abroad
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
About HSBC Taj Credit Card
HSBC Taj Credit Card, offered in partnership with the Indian Hotels Company Ltd (IHCL), is a co-branded hotel credit card tailored to the needs of affluent consumers who value luxury travel and hospitality experiences. While the Marriott Bonvoy HDFC Credit Card introduced India to hotel co-branded credit cards in the mid-range segment last year, the HSBC Taj Credit Card is India’s first hotel co-branded card in the super-premium category. With an annual fee of Rs. 1.10 Lakh, it also becomes one of the costliest credit cards in India.
Cardholders get exclusive benefits not just with Taj Properties but also across other hotel chains under the IHCL Group, including SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails.
Hotel and other Travel Benefits
- On card activation: Free night stay( plus breakfast) at a Taj Palace hotel and 2 nights at any participating hotel.
- Taj InnerCircle Platinum NeuPass membership covering benefits like priority/early check-ins, late check-outs, dedicated 24/7 Platinum concierge service, additional NeuCoin reward points, a special welcome service; happy hours; and more at participating hotels.
- Free access to India’s premier executive business club, The Chambers Lounge and Taj Club Lounge with tea/coffee for 21
- Unlimited room upgrades to the next level of room or suite at participating hotels2
- 25% savings on the best available rate for room/suite at Taj Palaces, Safaris and other properties.
- Free 4 set meals for 2 at Taj and other participating restaurants
- 25% savings on food and beverages, including Qmin deliveries
Rewards & Other Lifestyle Benefits
- 5 reward points for every Rs. 100 spent on participating hotel chains 5
- 1.5 reward points for every Rs. 100 spent
- 1.5 reward points = Rs. 1, credited in HSBC Taj Credit Card Wallet balance
- 50% off at Starbucks 4 times a month (max total savings Rs. 150).
- 25% off at Tira (min spend Rs. 2,499; max total savings Rs. 750).
- 10% off at PVR Cinemas (On Gold Class movie tickets, food and beverages)
- 10% off at Just In Time
- 2 for 1 movie and event tickets through Book My Show (max ticket value Rs. 750 each).
- 12% off at Zomato (min spend Rs. 2,499; max total savings Rs. 500).
- 10% off at Swiggy
- 5% off at Croma (min spend Rs. 20,000; max total savings Rs. 2,000).
HSBC Taj Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Annual Fee | Rs. 1,10,000 |
| Joining Fee | Rs. 1,10,000 |
| Finance Charges | 3.75% per month | 45% per annum |
| Forex Markup Fee | 3.5% (waived off for India’s executive banking clients) |
| Late Payment Charges | 100% of minimum payment due (minimum Rs. 250 and maximum Rs. 1,200 per month) |
Things to Know Before you apply
Eligibility Requirements:
Age: Between 25 years and 75 years
Minimum income of Rs. 40 lakhs per year for salaried
Minimum income of Rs. 60 lakhs per year for self-employed individuals
Serviceable Cities: Delhi, Delhi-NCR, Chandigarh, Jaipur, Mumbai, Pune, Ahmedabad, Kolkata, Bengaluru, Chennai, Hyderabad, Kochi, Coimbatore
Other Premium Cards:
HDFC Bank Infinia
Axis Bank Reserve
American Express Platinum Card
Paisabazaar Review
What do we like about this card?
Despite being a hotel credit card, the card does not lose its focus from all-round travel benefits expected out of a premium card: unlimited lounge access and a travel concierge. Additionally, unlike many cards that keep the benefits restored to primary cardholders, this card offers most of the hotel privileges for two people.
Pros
- Unlimited room upgrades
- Benefits not limited to one but seven hotel chains
- Straight-forward lifestyle benefits via partner brands
- Complimentary Taj InnerCircle Platinum NeuPass membership
Cons
- High income eligibility
- Reward redemption limited to participating hotels
- Brand specific benefit can be limiting for some users
Frequently Asked Questions
Everything you need to know about this credit card
To apply for an HSBC Taj Credit Card, cardholders need to submit proof of residence, identity proof and their permanent account number (PAN) card. Additionally, income proofs such as the latest salary slip may be required if you\'re a salaried employee.
The complimentary Platinum NeuPass membership offered on the card offers benefits like additional NeuCoins/points; early/priority check-in and late check-out; unlimited room upgrades to the next category, happy hours and a dedicated customer care service among other benefits.
The card charges a forex markup fee of 3.5% of the transaction amount. However, the fee is waived off for India’s executive banking clients.
You can contact the bank at their toll-free number 1800 569 1111.
Yes, the card offers fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 on all fuel pumps.
Footnotes
- Free access to The Chambers Lounge and Taj Club Lounge is capped at up to 12 times a year, each.
- Unlimited room upgrades to the next level of room or suite at participating hotels is aplicabble on stays of up to 5 consecutive nights.
- Free swimming pool access is capped at up to 12 times a year.
- Use code- INHSBCT to avail discount on Emirates flights originating in India.
- Participating hotels: Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails bungalows.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
Yes Bank
RBL
IndusInd Bank
IDFC FIRST
AU Small Finance Bank
Federal Bank
Bank of Baroda
Punjab National Bank
SBM Bank
Canara Bank
Check eligibility for best credit cards
Check Eligibility