HSBC Taj Credit Card Review
The HSBC Taj Credit Card is an ultra-premium co-brand with Indian Hotels (IHCL). It comes with NeuPass InnerCircle Platinum status, Taj lounge access, room upgrades, dining discounts and unlimited airport lounges.
At ₹1.1 lakh to join and ₹1.1 lakh a year, it only makes sense for frequent Taj guests who will use the stays, upgrades and lounges.
- NeuPass InnerCircle Platinum status
- Complimentary Taj nights on activation
- Chambers Lounge and Taj Club Lounge 12 times a year each
- Unlimited room upgrades and 25% off rooms and dining
- Unlimited global airport lounges and chauffeur transfers
- ₹1.1 lakh joining and ₹1.1 lakh annual fee, no waiver found
- Base reward rate is low outside Taj properties
- Many spend categories excluded from points
- Extra Taj Palaces night offer ended 30 Sep 2026
- Available only in 21 cities
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹1,10,000 + GST (charged after activation) |
| Annual fee | ₹1,10,000 + GST |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Points per ₹100 |
|---|---|
| Taj, SeleQtions, Gateway, Vivanta, amã | 5 |
| Other eligible spends | 1.5 |
1.5 points = ₹1 in the Taj wallet.
What earns nothing
Fuel, wallets, rent, education and government, insurance, jewellery, utilities, wholesale clubs, money transfers and cash earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | Two breakfast-inclusive nights at Taj hotels in India plus one Taj Palaces night on activation |
| Taj lounges | Chambers Lounge 12 times a year with a guest; Taj Club Lounge 12 times a year |
| Hotel benefits | Unlimited room upgrades, 25% off best available rate and food and beverage, four set-meal vouchers |
| Wellness | Spa 4 times, pool 12 times and golf 12 times a year |
| Travel | Unlimited airport lounges; 4 domestic and 4 international chauffeur transfers a year |
Eligibility
Issuer
HSBC India
Age
25–75
Income
₹36 lakh a year (salaried) or ₹45 lakh (self-employed)
Cities
21 listed cities
Who this card is for
- Good fit: frequent Taj guests who will use the stays, lounges, upgrades and discounts every year.
- Skip if: you stay at Taj hotels only occasionally.
Alternatives worth comparing
Final verdict
A luxury card whose value depends entirely on how often you stay with Taj. For loyal guests the benefits can exceed the ₹1.1 lakh fee; for everyone else it is hard to justify.
Frequently asked questions
What does the HSBC Taj card cost?
₹1,10,000 + GST to join (charged after activation) and ₹1,10,000 + GST a year.
What status does it give?
NeuPass InnerCircle Platinum.
How many points does it earn?
5 per ₹100 at Taj properties and 1.5 per ₹100 elsewhere, with 1.5 points = ₹1.
Do I need to be an HSBC Premier customer?
No. HSBC’s criteria are based on age, income and city.
Does it include airport lounges?
Yes, unlimited global airport lounge access.
Last verified: October 2026, against HSBC India’s Taj card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.