Welcome benefit:Users will get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces. Users can access exclusive privileges with NeuPass Taj InnerCircle Platinum Tier membership. Users can enjoy access to The Chambers Lounge, India's premier executive business club. Users can enjoy priority/early check-ins, late check-outs, access to a dedicated 24/7 Platinum customer care service.
HSBC Taj Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces. Users can access exclusive privileges with NeuPass Taj InnerCircle Platinum Tier membership. Users can enjoy access to The Chambers Lounge, India's premier executive business club. Users can enjoy priority/early check-ins, late check-outs, access to a dedicated 24/7 Platinum customer care service.
Milestone Benefits
None.
Cashback Rate
Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
Movie Benefits
Users will get a 10% instant discount on HSBC Gold Class Movie Tickets and Food & Beverages (“F&B”) counters at PVR Cinemas HSBC Gold screens only.
Dining Benefits
Users can enjoy 25% savings on food and beverages and Qmin deliveries.; Users will get flat 10% off up to ₹150 on Swiggy food orders on orders above ₹499.
Other Benefits
Cardholders will get exclusive 25% savings on the best available rate at Taj Hotels and other participating IHCL hotels.
Cardholders will get four vouchers for set meals for two at participating restaurants.
Cardholders can enjoy 25% savings on food and beverages and Qmin deliveries.
Cardholders can enjoy a 60-minute spa treatment (up to 4 a year), plus access to the sauna and steam room.
Cardholders can enjoy free swimming pool access for 2 (up to 12 times a year) at participating hotels.
Cardholders can enjoy 12 visits a year to The Chambers Lounge, India’s foremost executive business club.
Cardholders can visit the Taj Club Lounge up to 12 times a year.
Cardholders will get access to intimate, immersive and indulgent 'Rendezvous' events encompassing celebrated speakers, masterclasses.
Cardholders can get up to 5% off on Emirates flights originating in India using code.
Cardholders can save 15% on duty-free with AdaniOne (once per month; min order INR3,000; max order INR7,500).
Cardholders can enjoy 4 chauffeur-driven limousine transfers a year.
Cardholders will get 50% off at Starbucks 4 times a month (max total savings INR150).
Cardholders will get 25% off at Tira (min spend INR2,499; max total savings INR750).
Cardholders will get a 10% instant discount on HSBC Gold Class Movie Tickets and Food & Beverages (“F&B”) counters at PVR Cinemas HSBC Gold screens only.
Cardholders will get 10% off at "Just In Time".
Cardholders can enjoy the latest movies and live events with 2-for-1 tickets through Book My Show (max ticket value INR 750 each).
Cardholders can save 12% at Zomato on the the best restaurants, cafés and bars in India (min spend INR 2,499; max total savings INR500).
Cardholders will get flat 10% off up to INR 150 on Swiggy food orders on orders above INR 499.
Cardholders will get flat 10% off up to INR 150 on Swiggy Instamart orders on orders above INR 749.
Cardholders will get 5% off at Croma (min spend INR20,000; max total savings INR2,000).
Lounge Access
Users will get unlimited airport lounge access globally including India.
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces. Users can access exclusive privileges with NeuPass Taj InnerCircle Platinum Tier membership. Users can enjoy access to The Chambers Lounge, India's premier executive business club. Users can enjoy priority/early check-ins, late check-outs, access to a dedicated 24/7 Platinum customer care service.
Milestone Benefits
None.
Cashback Rate
Users will earn 1.5 reward points for every INR 100 spent on standard purchases,
The value of 1.5 reward points is INR 1.
General Cashback Rate: 1%.
Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a
Special Cashback Rate: 3.33%.
Movie Benefits
Users will get a 10% instant discount on HSBC Gold Class Movie Tickets and Food & Beverages (“F&B”) counters at PVR Cinemas HSBC Gold screens only.
Dining Benefits
Users can enjoy 25% savings on food and beverages and Qmin deliveries.; Users will get flat 10% off up to ₹150 on Swiggy food orders on orders above ₹499.
Other Benefits
Cardholders will get exclusive 25% savings on the best available rate at Taj Hotels and other participating IHCL hotels.
Cardholders will get four vouchers for set meals for two at participating restaurants.
Cardholders can enjoy 25% savings on food and beverages and Qmin deliveries.
Cardholders can enjoy a 60-minute spa treatment (up to 4 a year), plus access to the sauna and steam room.
Cardholders can enjoy free swimming pool access for 2 (up to 12 times a year) at participating hotels.
Cardholders can enjoy 12 visits a year to The Chambers Lounge, India’s foremost executive business club.
Cardholders can visit the Taj Club Lounge up to 12 times a year.
Cardholders will get access to intimate, immersive and indulgent 'Rendezvous' events encompassing celebrated speakers, masterclasses.
Cardholders can get up to 5% off on Emirates flights originating in India using code.
Cardholders can save 15% on duty-free with AdaniOne (once per month; min order INR3,000; max order INR7,500).
Cardholders can enjoy 4 chauffeur-driven limousine transfers a year.
Cardholders will get 50% off at Starbucks 4 times a month (max total savings INR150).
Cardholders will get 25% off at Tira (min spend INR2,499; max total savings INR750).
Cardholders will get a 10% instant discount on HSBC Gold Class Movie Tickets and Food & Beverages (“F&B”) counters at PVR Cinemas HSBC Gold screens only.
Cardholders will get 10% off at "Just In Time".
Cardholders can enjoy the latest movies and live events with 2-for-1 tickets through Book My Show (max ticket value INR 750 each).
Cardholders can save 12% at Zomato on the the best restaurants, cafés and bars in India (min spend INR 2,499; max total savings INR500).
Cardholders will get flat 10% off up to INR 150 on Swiggy food orders on orders above INR 499.
Cardholders will get flat 10% off up to INR 150 on Swiggy Instamart orders on orders above INR 749.
Cardholders will get 5% off at Croma (min spend INR20,000; max total savings INR2,000).
Lounge Access
Users will get unlimited airport lounge access globally including India.
Fees & Charges
Joining Fee
INR 1,10,000
Annual Fee
INR 1,10,000
Cash Advance Fee
Cash advance fee: 2.5%, minimum INR 300.
Interest rate
Interest Rates: 3.75% per month 45% p.a.
Late Payment Fee
Late payment fee: 100% of the Minimum Payment Due (MPD) subject to minimum of 250 and maximum of 1200 per month)
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: NIL
Other Fees
Fees & Charges
Joining Fee
INR 1,10,000
Annual Fee
INR 1,10,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.75% per month 45% p.a.
Late Payment Fee
Late payment fee: 100% of the Minimum Payment Due (MPD) subject to minimum of 250 and maximum of 1200 per month)
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: NIL
Other Fees
Special Features
No forex charges.
Discounts at Zomato, Swiggy, Croma, Starbucks, PVR Cinema, BookMyShow.
Offers and discounts on hotels.
Eligibility Criteria
Users must be 25 to 75 years old
User must be an Indian resident
Live in Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi, Delhi National Capital Region (NCR), Hyderabad, Jaipur, Kochi, Kolkata, Mumbai or Pune
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Invite only card
Contact Details
1800 266 3456
1800 120 4722
Account Opening and Procedure
The card offers low cashback rate. However, the card comes loaded with a number of value add features. The card is recommended for individuals who travel frequently in India.
The card offers low cashback rate. However, the card comes loaded with a number of value add features. The card is recommended for individuals who travel frequently in India.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai