← Part of HSBC Credit Cards in India
The HSBC Taj Credit Card, launched in partnership with Indian Hotels Company Limited (IHCL), is India’s first super-premium co-branded hotel credit card. IT carries a joining fee of ₹1,10,000 plus GST, offering extensive luxury travel and hospitality benefits for affluent Indian consumers.
| Parameter | Details |
|---|---|
| Card Type | Co-branded hotel credit card (super-premium category) |
| Issuing Bank | HSBC Bank |
| Partner | Taj Hotels (Indian Hotels Company Limited – IHCL) |
| Joining Fee | ₹1,10,000 + GST (paid after card activation) |
| Annual Fee | ₹1,10,000 + GST (as of 2026) |
| Add-on Card Joining Fee | NIL |
| Add-on Card Annual Fee | NIL |
| Eligibility Age Range | 25 years to 75 years |
| Eligibility Residency | Indian Resident |
| Eligibility Annual Income (Salaried) | ₹40 lakh |
| Eligibility Annual Income (Self-Employed) | ₹60 lakh |
| Serviceable Cities | Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi, Delhi-NCR, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Pune |
| Documents Required | Proof of residence, identity proof, PAN card, latest monthly payslip (salaried), 2 years’ ITR and 1 year’s proof of income (self-employed) |
| Application Deadline (for d benefits) | 31 March 2026 |
| Welcome Benefits (on activation) | Two nights’ breakfast-inclusive stays at Taj hotels, one-night stay at Taj Palaces, and an extra one-night Taj Palace stay voucher (valid until 30 June 2026) |
| Reward Points Earning (Taj, SeleQtions, Gateway, Vivanta, Ginger, amã Stays) | 5 RPs per ₹100 spent |
| Reward Points Earning (Other eligible purchases) | 1.5 RPs per ₹100 spent |
| Reward Points Value | 1.5 RPs = ₹1 (redeemable at participating Indian and global hotels) |
| Free Credit Period | Up to 48 days |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
| Late Payment Fee | 100% of minimum payment due (minimum ₹250, maximum ₹1,200 per month) |
| Foreign Currency Transaction Charges | 3.5% (waived for India’s executive banking clients) |
| IHCL Hotels Operated | 350+ |
| IHCL Rooms Operated | 39,000+ |
The card’s high annual fee is justified by its extensive luxury benefits, including exclusive Taj hotel stays and accelerated reward earnings across IHCL properties, making IT suitable for frequent luxury travelers.
Exclusive Benefits & Privileges
The HSBC Taj Credit Card offers a suite of luxury benefits, including complimentary stays and exclusive lounge access, designed for affluent Indian consumers. Cardholders receive two breakfast-inclusive nights at Taj hotels and one night at Taj Palaces upon activation, valid until June 30, 2026.
| Benefit Category | Specific Privilege | Value/Details |
|---|---|---|
| Welcome Benefits (Activation) | Complimentary Stays | Two nights’ breakfast-inclusive stays at participating Taj hotels across India + One night stay at Taj Palaces (on card activation). Valid until 30 June 2026. |
| Welcome Benefits (New/Renewal) | Bonus Palace Stay Voucher | Extra one-night stay voucher at Taj Palaces (with every new or renewed card). Valid until 30 June 2026. |
| Membership & Loyalty | Taj InnerCircle NeuPass Membership | Platinum tier membership with accelerated NeuCoin earnings, priority/early check-ins, late check-outs, 24/7 Platinum concierge, special welcome service, happy hours. |
| Lounge Access | Exclusive Business Club Access | Free access to The Chambers Lounge (India’s premier executive business club) and Taj Club Lounge (with tea/coffee). Up to 12 times a year. |
| Hotel Stays & Dining | Unlimited Room Upgrades & Savings | Unlimited room upgrades and exclusive savings on stays and dining at participating Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails bungalows globally. |
| Hotel Stays & Dining | Dining Discounts | Up to 25% off on food and drinks at participating restaurants and on Qmin food deliveries. Four meal vouchers for two people at selected restaurants across India. |
| Wellness & Spa | Spa Treatments & Access | Up to four 60-minute spa treatments per year, along with exclusive swimming pool access, steam, and sauna rooms. |
| Travel & Lifestyle | Chauffeur-Driven Limousine Transfers | Four chauffeur-driven limousine transfers in a year. |
| Travel & Lifestyle | Emirates Flight Discount | Up to 5% discount on Emirates flights originating from India (use code INHSBCT). |
| Entertainment | Movie and Event Tickets | Buy One Get One (BOGO) on movies and event tickets through BookMyShow (max ticket value ₹750 each). |
| Reward Points | Earnings at Taj Properties | 5 Reward Points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails Bungalows. |
| Reward Points | Earnings on Other Purchases | 1.5 Reward Points per ₹100 on all other eligible purchases. |
| Reward Points | Conversion Rate | 1.5 Reward Points = ₹1 (for HSBC Taj Credit Card Wallet balance). |
| Financial Benefits | Free Credit Period | Up to 48 days free credit period on the HSBC Taj Credit Card. |
| Financial Benefits | Foreign Currency Transaction Charges | 3.5% (waived for India’s executive banking clients). |
These exclusive benefits cater to high-net-worth individuals, offering significant value for frequent travelers and luxury hospitality patrons in India.
Fees, Charges & Eligibility
The HSBC Taj Credit Card carries a joining fee of ₹1,10,000, paid after card activation, with the same amount as its annual fee. Eligibility requires an annual income of ₹40 lakh for salaried individuals and ₹60 lakh for self-employed, for Indian residents aged 25 to 75 years.
| Metric | Value (INR) | Details |
|---|---|---|
| Joining Fee | ₹1,10,000 | Paid after card activation |
| Annual Fee | ₹1,10,000 | Paid annually after 12 months |
| Add-on Card Joining Fee | NIL | For add-on cardholders |
| Add-on Card Annual Fee | NIL | For add-on cardholders |
| Cash Advance Fee | 2.5% of transaction amount | Minimum ₹300 per transaction |
| Finance Charges | 3.75% p.m. | Equivalent to 45% p.a. |
| Late Payment Fee | 100% of minimum payment due | Minimum ₹250 & maximum ₹1,200 per month |
| Foreign Currency Transaction Charges | 3.5% | Waived for India’s executive banking clients |
| Eligibility Age Range | 25 years to 75 years | Applicant must fall within this age bracket |
| Eligibility Residency | Indian Resident | Proof of Indian residency required |
| Eligibility Annual Income (Salaried) | ₹40 lakh | Minimum annual income for salaried applicants |
| Eligibility Annual Income (Self-Employed) | ₹60 lakh | Minimum annual income for self-employed applicants |
| Serviceable Cities | Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi, Delhi-NCR, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Pune | Card application is accepted from residents in these cities |
| Application Deadline (d Benefits) | 31 March 2026 | For applications and renewals to receive limited-period d benefits |
| Documents Required | Proof of residence, Identity proof, PAN card, Latest monthly payslip (salaried), 2 years’ ITR and 1 year’s proof of income (self-employed) | Mandatory documents for application processing |
The card’s high fee structure reflects its positioning as India’s first super-premium co-branded hotel credit card, targeting affluent consumers.
Reward Points & Redemption
The HSBC Taj Credit Card offers a structured reward program, with cardholders earning 5 reward points for every ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels, and amã Stays & Trails Bungalows. For all other eligible purchases, cardholders receive 1.5 reward points per ₹100 spent. These points convert at a rate of 1.5 reward points to ₹1, redeemable for various experiences.
- Accelerated Earnings: Cardholders earn 5 reward points per ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels, and amã Stays & Trails Bungalows.
- Standard Earnings: All other eligible purchases accrue 1.5 reward points for every ₹100 spent.
- Dining Rewards: Up to 5 reward points per ₹100 are earned on food and dining at Taj restaurants and Qmin deliveries.
- Redemption Value: Reward points convert at a rate of 1.5 reward points equal to ₹1, which can be used at participating Indian and global hotels.
- NeuPass Membership: The card includes Taj InnerCircle Platinum NeuPass membership, offering accelerated NeuCoin earnings and exclusive member rates.
- Point Accumulation: Accrued reward points are added to the cardholder’s balance monthly, the day after the credit card statement date.
- Balance Check: Cardholders can check their reward points balance and unique code by logging into ‘My Account’ on the Taj Hotels website.
- Redemption Flexibility: Points can be redeemed in India and worldwide at participating hotels from Taj, SeleQtions, Gateway, Vivanta, and amã Stays & Trails bungalows.
The Indian Hotels Company Limited (IHCL) may update its reward points and redemption options, so cardholders should review the latest terms regularly.
Welcome & Renewal Offers
The HSBC Taj Credit Card offers d welcome and renewal benefits for applications and renewals completed by March 31, 2026. Cardholders receive complimentary stays and exclusive vouchers upon card activation and renewal.
- Joining Benefit: Upon card activation, cardholders receive two complimentary breakfast-inclusive stays at Taj hotels across India. This also includes a one-night stay at select Taj Palaces.
- Extra Palace Stay Voucher: New or renewed cards issued by March 31, 2026, receive an additional one-night stay voucher at Taj Palaces. This voucher remains valid for six months from issuance.
- Offer Validity: The d welcome offer, including the two nights’ breakfast-inclusive stays and the one-night Taj Palace stay, is valid until June 30, 2026.
- Taj InnerCircle Platinum NeuPass: Cardholders receive a complimentary Taj InnerCircle Platinum NeuPass membership. This tier provides benefits like priority check-ins, late check-outs, and a dedicated 24/7 Platinum concierge service.
- Accelerated NeuCoin Earnings: The NeuPass membership allows for accelerated NeuCoin earnings, which can be redeemed for exclusive member rates at Taj and other participating IHCL hotels.
- The Chambers Lounge Access: Members gain free access to India’s premier executive business club, The Chambers Lounge, and Taj Club Lounge, including tea/coffee services.
- Annual Fee: The HSBC Taj Credit Card carries a joining fee of ₹1,10,000, paid after card activation (Source: HSBC).
These offers are subject to availability and blackout dates, with many benefits being non-transferable.
HSBC Taj vs Marriott Bonvoy HDFC
The HSBC Taj Credit Card is India’s first super-premium co-branded hotel card, launched in partnership with IHCL. IT targets affluent consumers seeking luxury travel, contrasting with the Marriott Bonvoy HDFC Credit Card, which serves the mid-range segment with a lower annual fee of ₹3,000.
| Feature | HSBC Taj Credit Card | Marriott Bonvoy HDFC |
|---|---|---|
| Card Category | Super-premium co-branded hotel card | Mid-range co-branded hotel card |
| Annual Fee | ₹1,10,000 + GST | ₹3,000 |
| Welcome Benefits (Stays) | 2 breakfast-inclusive nights at Taj hotels + 1 night at Taj Palaces (on activation), plus an extra Palace voucher (valid till March 31, 2026) | Marriott Bonvoy Points or Free Night Awards |
| Hotel Chains Covered | Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels, amã Stays & Trails bungalows | Marriott properties (35+ brands worldwide) |
| Lounge Access | Free access to The Chambers Lounge and Taj Club Lounge | Complimentary domestic/international airport lounge access |
| Reward Points Redemption | NeuCoins for exclusive member rates at Taj Innercircle, 1.5 RPs = ₹1 | Exclusively Bonvoy Points on purchases |
| Reward Points per ₹100 (Hotels) | 5 RPs at Taj, SeleQtions, Gateway, Vivanta, Ginger, amã Stays | Varies by card tier and spend category |
| Reward Points per ₹100 (Other) | 1.5 RPs on all other eligible purchases | Varies by card tier and spend category |
| Chauffeur-driven Limousine Transfers | 4 per year | Not a standard feature |
| Foreign Currency Transaction Charges | 3.5% (waived for India’s executive banking clients) | Varies by card tier |
| Minimum Annual Income (Salaried) | ₹40 lakh | ₹4 lakh |
| Minimum Annual Income (Self-Employed) | ₹60 lakh | Not specified, typically lower than super-premium cards |
The HSBC Taj Credit Card offers significantly higher luxury benefits and hotel-specific privileges, reflected in its premium annual fee and income requirements, compared to the more accessible Marriott Bonvoy HDFC card.
Application Process & Documents
Applying for the HSBC Taj Credit Card in 2026 requires meeting specific income and residency criteria. The d benefits offer is valid for applications and renewals completed by March 31, 2026.
Applicants must be Indian residents aged 25 to 75 years, with an annual income of ₹40 lakh for salaried individuals or ₹60 lakh for self-employed individuals.
- Online Application: Visit the official HSBC India website to express interest and initiate the application process.
- Eligibility Check: Ensure you meet the age range of 25 to 75 years and are an Indian resident.
- Income Requirements: Salaried applicants need an annual income of ₹40 lakh, while self-employed individuals require ₹60 lakh annually.
- Document Submission: Prepare proof of residence, identity proof, your Permanent Account Number (PAN) card, and income documents. Salaried applicants need their latest monthly payslip; self-employed individuals need two years’ ITR and one year’s proof of income.
- Serviceable Cities: The card is available in major Indian cities including Delhi, Mumbai, Bengaluru, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad, Chandigarh, Jaipur, Kochi, and Coimbatore.
- Offer Validity: Apply or renew your card by March 31, 2026, to avail of limited-period d benefits, including extra stay vouchers.
Additional documents may be requested by HSBC during the application review, and all complimentary stays are subject to availability and blackout dates.
Contact & Support
HSBC offers dedicated channels for HSBC Taj Credit Card holders, including a specific phone number and email for card services. General HSBC Credit Card customer care is also available for broader banking inquiries. These services help manage card benefits, address queries, and provide assistance for luxury travel and hospitality experiences.
| Channel | Details |
|---|---|
| HSBC Taj Credit Card Services (Phone) | 1800 569 1111 |
| HSBC Taj Credit Card Services (Email) | application_tajcard@hsbc.co.in |
| HSBC Credit Card Customer Care (Toll-Free) | 1800 267 3456 (Mon-Fri, 6:30 am-8:30 pm) |
| HSBC Phone Banking Facility (General) | 1800 121 2208 |
| HSBC India Instagram Account | (Link available on HSBC India website) |
| HSBC India Facebook Account | (Link available on HSBC India website) |
| Taj InnerCircle ‘My Account’ Login | www.tajhotels.com (for reward points balance) |
| Taj Offer Terms & Conditions | PDF, 109 KB (downloadable from HSBC website) |
For detailed terms and conditions, cardholders can download the official PDF from the HSBC India website. The Taj InnerCircle ‘My Account’ portal allows tracking of reward points and redemption options.
Key Takeaways
- HSBC provides a dedicated phone number (1800 569 1111) and email (application_tajcard@hsbc.co.in) for HSBC Taj Credit Card services.
- General HSBC Credit Card customer care is available at 1800 267 3456 for broader support.
- Cardholders can check reward points and manage their Taj InnerCircle membership via the ‘My Account’ section on www.tajhotels.com.
For immediate assistance or to apply, contact HSBC Taj Credit Card Services directly or visit the official HSBC India website.
Frequently Asked Questions (FAQs)
What is the joining fee for the HSBC Taj Credit Card in 2026?
The HSBC Taj Credit Card has a joining fee of ₹1,10,000, which is charged after you activate your card. This fee grants access to premium benefits, including complimentary Taj hotel stays upon activation. The card is positioned as India’s first super-premium co-branded hotel credit card.
What are the key welcome benefits of the HSBC Taj Credit Card?
Upon activation, the HSBC Taj Credit Card offers two breakfast-inclusive one-night stays at participating Taj hotels across India, plus an additional one-night stay at Taj Palaces. You also receive a voucher for an extra one-night stay at Taj Palaces, valid for six months, with new or renewed cards until June 30, 2026.
How do I earn reward points with the HSBC Taj Credit Card?
You earn 5 NeuCoins (reward points) for every ₹100 spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels, and amã Stays & Trails Bungalows. For all other eligible purchases, you earn 1.5 NeuCoins per ₹100 spent. These NeuCoins can be redeemed at participating Indian and global hotels, with 1.5 NeuCoins equivalent to ₹1.
What is the value of Taj InnerCircle Platinum NeuPass membership with this card?
The HSBC Taj Credit Card includes a complimentary Taj InnerCircle Platinum NeuPass membership, offering benefits like priority check-ins, late check-outs, and a dedicated 24/7 Platinum concierge service. Members also receive additional NeuCoin reward points and free access to The Chambers Lounge and Taj Club Lounge.
Does the HSBC Taj Credit Card offer travel benefits beyond hotel stays?
Yes, the card provides four complimentary chauffeur-driven limousine transfers annually, your travel experience. Cardholders also receive a 15% discount on services booked through Adani One. These benefits are designed for affluent consumers who prioritize luxury travel.
What are the dining and entertainment benefits of the HSBC Taj Credit Card?
Cardholders enjoy ‘Buy One Get One’ offers on movie tickets at PVR and discounts at popular dining and delivery platforms like Swiggy, Zomato, and Starbucks. These lifestyle benefits complement the card’s core hospitality focus. Specific discount percentages and offer terms should be verified with HSBC.
How does the HSBC Taj Credit Card compare to other premium hotel credit cards in India?
The HSBC Taj Credit Card is India’s first super-premium co-branded hotel card, distinct from cards like the Marriott Bonvoy HDFC Credit Card, which targets a mid-range segment with a lower annual fee of around ₹3,000. The Taj card focuses exclusively on the Taj Hotels portfolio, offering deeper integration and exclusive benefits within that chain. Its high joining fee reflects its ultra-luxury positioning.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.