The HSBC Taj Credit Card is a co-branded credit card issued by The Hongkong and Shanghai Banking Corporation Limited, India in partnership with IHCL (Taj Hotels). It combines banking rewards with exclusive hotel privileges across India and globally.

Key Highlights

• Card Network: Visa Infinite with global acceptance
• Annual Fee: Rs 1,10,000 + GST (no fee waiver available)
• Reward Rate: 1.5 RP per Rs 100 (standard) / 5 RP per Rs 100 (Taj Hotels)
• Point Value: 1.5 RP = Rs 1 in HSBC Taj Card Wallet
• Lounge Access: Unlimited domestic and international
• Welcome Benefits: Taj Palace stay, 2 IHCL hotel nights, spa, dining vouchers
• Co-brand Partner: Taj Hotels / IHCL

• Complimentary one-night stay at Taj Palaces with breakfast for two (including Rambagh Palace, Taj Lake Palace, The Taj Mahal Palace)
• Two one-night stay vouchers at participating IHCL hotels with breakfast for two
• Unlimited room upgrades to the next category at all participating hotels
• 25% savings on Best Available Rate at Taj and other IHCL properties
• Four set meal vouchers for two at select All-Day Dining and Signature Restaurants
• 25% savings on food and beverages at participating restaurants for up to 10 people
• 25% savings on Qmin food delivery orders via mobile app

Spa and Wellness

• Four complimentary 60-minute spa treatment vouchers with sauna and steam room access at J Wellness Circle/Jiva Spa
• 25% savings on spa therapies at participating hotels
• 12 swimming pool access vouchers for two at participating hotels per year

Exclusive Access

• 12 Chambers Lounge access passes for cardholder and guest per year
• 12 Taj Club Lounge access passes for two per year
• Access to Rendezvous events featuring celebrated speakers and masterclasses
• NeuPass Taj InnerCircle Platinum Tier membership with priority check-in, late checkout, and dedicated 24/7 customer care

Travel Benefits

• Unlimited airport lounge access globally via Priority Pass (1700+ lounges) and VISA India programme
• 4 complimentary Blacklane chauffeur-driven airport transfers per year
• Up to 5% off on Emirates flights originating in India (code: INHSBCT)
• 15% savings on duty-free shopping via AdaniOne app (max Rs 3,000 per month, min order Rs 7,500)
• Up to Rs 20,000 off on MakeMyTrip business class tickets

Entertainment and Shopping

• Buy 1 Get 1 on movies and events via BookMyShow (max ticket value Rs 750)
• 50% off at Starbucks (max Rs 150, 4 times per month)
• VIP access at The Bicester Collection Villages with eVIP pass and exclusive shopping perks
• 5% off on electronics at Croma (max Rs 2,000, min spend Rs 20,000)
• 25% off beauty products at Tira (max Rs 750, min spend Rs 2,499)
• 12% off on Zomato (max Rs 500, min spend Rs 2,499)
• 10% off on Swiggy food and grocery orders

• Taj Palace Stay: One-night stay voucher at Taj Palaces including breakfast for two (select palaces including Rambagh Palace, Taj Lake Palace, The Taj Mahal Palace)
• Hotel Stays: Two one-night stay vouchers at participating IHCL hotels with breakfast for two
• Dining: Four set meal vouchers for two at select All-Day Dining and Signature Restaurants
• Spa: Four 60-minute spa treatment vouchers with sauna and steam access at J Wellness Circle/Jiva Spa
• NeuPass Membership: Taj InnerCircle Platinum Tier with priority check-in, late checkout, and 24/7 customer care

Annual Benefits (Ongoing)

• 12 Chambers Lounge access passes for cardholder and guest
• 12 Taj Club Lounge access passes for two
• 12 swimming pool access vouchers for two
• Unlimited room upgrades to next category
• 25% savings on stays, dining, spa, and Qmin deliveries

Renewal Benefits

All IHCL benefits and vouchers are renewed annually on your card anniversary. NeuPass Platinum Tier membership is also renewed each year you hold the card.

Note: All vouchers are valid for 365 days from date of issue and are non-transferable. Blackout dates apply.

Unlimited complimentary access to domestic airport lounges across India via the VISA India Airport Lounge programme. Present your HSBC Taj Credit Card at participating lounges for entry.

International Airport Lounges

Unlimited complimentary international airport lounge visits via Priority Pass membership. Access 1700+ lounges globally by presenting your card and stating your intention to use the Priority Pass facility.

Hotel Lounges

• The Chambers Lounge: 12 exclusive access passes per year for cardholder and guest
• Taj Club Lounge: 12 access passes per year for cardholder and guest

Important Notes

• Only one entry per cardholder per lounge visit
• A pre-authorization charge of USD 1 equivalent may be levied at international lounges and subsequently reversed within 5 working days
• Download the Priority Pass app to find lounges and manage access
• Lounge access is for primary cardholders only

• Standard Purchases: 1.5 reward points per Rs 100 spent
• Taj and IHCL Hotels: 5 reward points per Rs 100 spent at Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails

Point Value

1.5 reward points = Rs 1 in your HSBC Taj Credit Card Wallet balance. This means each point is worth approximately Rs 0.67.

HSBC Taj Credit Card Wallet

Your reward points are automatically converted into TEGC (Taj E-Gift Currency) and posted to your Taj account monthly, the day after your credit card statement date. The wallet is activated within 48 hours of card activation.

How to Redeem

• Use in-person, over the phone, or online at participating Taj, SeleQtions, Gateway, Vivanta, and ama Stays & Trails hotels
• Redeem towards room stays, food and beverages, and spa treatments
• Check your balance at My Account on tajhotels.com

Restrictions

• Cannot be used at Tree of Life Resorts or Ginger Hotels
• Not valid for third-party retail outlets, business centre hire, banquets, or conferences
• Cannot be used for cash withdrawal
• Wallet cannot be reloaded by the customer
• No NeuCoins or TAP Points earned on wallet balance transactions

Excluded Categories

Reward points are not earned on fuel transactions (where surcharge waiver applies), cash advances, EMI conversions, wallet loads, rent payments, government payments, and insurance premium payments.

• Minimum age: 25 years
• Maximum age: 75 years

Income Requirements

• Salaried: Minimum annual income of Rs 40 Lakh
• Self-employed: Minimum annual income of Rs 60 Lakh

Residency

• Must be an Indian resident, or already have an HSBC India bank account if NRI
• Available in select cities: Delhi NCR, Mumbai, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, Lucknow, and Noida

Credit Score

• CIBIL score of 750+ recommended for higher approval chances

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving Licence

Address Proof (Any One)

• Aadhaar Card
• Passport
• Utility Bill (recent)
• Bank Statement

Income Proof

• Salaried: Latest monthly payslip
• Self-employed: 2 years ITR and 1 year proof of income

Note: HSBC may request additional documents during the application process.

1. Visit the HSBC Taj Credit Card page on the HSBC India website
2. Click on Get Started or Apply Now to complete the callback form
3. The HSBC team will contact you to guide you through the application process

Offline Application

1. Visit your nearest HSBC branch in a serviceable city
2. Request the HSBC Taj Credit Card application form
3. Submit the completed form along with required documents

For Existing HSBC Customers

Download and submit the HSBC Taj Credit Card application form available on the HSBC website.

Contact

• Phone: 1800 569 1111 (toll-free, Mon-Sat 9 AM to 6 PM)
• Email: application_tajcard@hsbc.co.in

The HSBC Taj Credit Card is the definitive luxury hotel credit card in India, offering an unparalleled package of privileges at Taj and IHCL properties. For high-net-worth individuals who frequently stay at Taj Hotels, the card delivers exceptional value through complimentary palace stays, unlimited room upgrades, spa treatments, dining discounts, and exclusive Chambers Lounge access.

With unlimited global airport lounge access via Priority Pass, Blacklane chauffeur transfers, and a comprehensive suite of entertainment and shopping offers, it extends well beyond just hotel benefits. The NeuPass Taj InnerCircle Platinum Tier membership further enhances the stay experience with priority services.

However, the Rs 1,10,000 annual fee (plus GST) and the relatively low base reward rate of 1% make it a niche product. The card is best suited for those who can extract maximum value from IHCL hotel privileges. If you are not a regular Taj guest, more versatile super-premium cards may offer better overall value.