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.

Rates and fees last verified 14 September 2026.

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

Reward rates by category

Travel5%

Eligibility

Minimum credit score: 750
Minimum monthly income: ₹3,00,000
Employment: salaried, self-employed
Age: 21–65

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

Apply on HSBC India's site

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