All cards / HSBC India
HSBC Taj Credit Card
HSBC's ultra-premium co-brand with Taj/IHCL — unlimited global lounge access, complimentary Taj stays, and 0% forex markup, priced at a steep six-figure fee squarely aimed at frequent five-star travellers with ₹36L+ income.
Annual fee
₹1,10,000
Joining fee
₹1,10,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Travel: Complimentary Taj/IHCL hotel stays and room upgrades; 4 complimentary chauffeur-driven airport transfers via Blacklane; 12 annual visits to The Chambers business lounge
- Domestic lounge access: Unlimited complimentary domestic airport lounge access
- International lounge access: Unlimited complimentary international airport lounge access
- Golf: 12 complimentary golf games/lessons annually
- Insurance benefits: Air accident insurance cover up to ₹1 crore
Benefits by category
- ✈️ Travel
5% reward rate · Unlimited complimentary domestic and international airport lounge access
- 🏨 Hotel
Complimentary 1-night stay at select Taj Palaces plus 2 complimentary 1-night stays at IHCL 5-star hotels annually; unlimited room upgrades where available; NeuPass Taj InnerCircle Platinum status
- 🛡️ Insurance
Air accident insurance cover up to ₹1 crore
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 0%
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal
Benefits
- Unlimited complimentary domestic and international airport lounge access
- Complimentary 1-night stay at select Taj Palaces plus 2 complimentary 1-night stays at IHCL 5-star hotels annually; unlimited room upgrades where available; NeuPass Taj InnerCircle Platinum status
- 12 annual visits to The Chambers business lounge at select Taj properties
- Air accident insurance cover up to ₹1 crore
- 0% forex markup on international transactions
- 12 complimentary golf games/lessons annually; 4 complimentary chauffeur-driven airport transfers via Blacklane
Pros
- + Unlimited domestic and international lounge access
- + Complimentary Taj/IHCL hotel stays and room upgrades
- + 0% forex markup plus ₹1 crore air accident cover
Cons
- − ₹1,10,000 joining and annual fee with no published spend waiver
- − High income eligibility (₹36 LPA salaried / ₹45 LPA self-employed)
- − Value is concentrated on IHCL/Taj loyalists
Best for