HSBC Taj Credit Card: Fees, Rewards & Benefits
Rewards card
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An ultra-luxury Taj co-branded card whose entire value rests on IHCL privileges – Chambers/Taj Club access, spa, pool, golf and chauffeur transfers – plus unlimited Visa Infinite lounges. The ₹1.1 Lakh fee, ₹40 Lakh income bar and ~1% base earn make it strictly a status card for committed Taj patrons.
Rewards card
The Bottom Line
The Taj Credit Card is built for taj loyalist and luxury lifestyle holder. With a ₹1,10,000 annual fee, it offers 3.33% rewards on taj, seleqtions, gateway, vivanta, ginger & amã stays and trails (ihcl hotel brands) (hotel) and airport lounge access. It makes the most sense if your spending matches taj loyalist and luxury lifestyle holder.
It earns a base reward rate of 1.0005000000000002% and stacks best when your spending lines up with Taj loyalist, Luxury lifestyle holder.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUltra-affluent guests who stay frequently at Taj/IHCL hotels and will use The Chambers, spa, pool and chauffeur perks worth far more than the ₹1.1 Lakh fee.
High-net-worth individuals (₹40 Lakh+ income) seeking unlimited global lounges and concierge-level Taj privileges.
Probably not for
SkipThe ~1% base outside IHCL and ₹1.1 Lakh fee make it unjustifiable for anyone not using the Taj lifestyle perks.
The vast exclusion list means most everyday and recurring spends earn no points.
Is It Worth It For You?
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Reward Rates
Taj Credit Card offers 1.0005000000000002% basic reward rate.
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Welcome Offer
On card activation: complimentary two nights' breakfast-inclusive stay at hotels across India plus one night at a Taj Palace property. Additionally, every new or renewed card carries a bonus voucher for one extra night's stay at Taj Palaces (valid for 6 months from issuance/renewal). Not tied to a minimum spend requirement — issued on activation/renewal.
Fees & Charges
Eligibility
- Min Income: ₹60 Lakhs
- Age 25-75; min annual income Rs 40L salaried or Rs 60L self-employed; premium co-branded card with Taj/IHCL; launched Dec 2024; Visa Infinite metal card.
Exclusions & Terms
Cash Withdrawals/Advances
- Cash withdrawals and cash advances do not earn reward points; cash advance fee of 2.5% (min Rs.300) applies separately.
Money Transfers
- Money transfer transactions (MCC 4829) do not earn reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹1,10,000 annual fee. Apply on the HSBC website.
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