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HSBC Taj Credit Card
HSBC Bank
Joining Fee₹1,10,000Renewal Fee₹1,10,000
Last verified: 26 Sept 2026
Reward Program
HSBC Taj Reward Points1 point = ₹0.67
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 3.33% | No cap |
| All other spends | 1% | No cap |
Redemption fee: 0
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Managed via HSBC India Mobile Banking app, Travel with Points
Transfer partners
Taj Credit Card Wallet balance at 1.5 Reward Points = ₹1, which is ₹0.667 a point. This is the only rupee rate HSBC publishes for this card.
Live Offers
No active offers for this card right now.
Benefits
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Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Unlimited airport lounge access globally. Separately, access to The Chambers Lounge and the Taj Club Lounge up to 12 times a year each, for the cardholder and a guest.
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Fuel Surcharge Waiver
No surcharge waiver is published. HSBC levies a 1% fuel transaction fee, and fuel earns no rewards.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹1,10,000/yr |
| Renewal Fee | ₹1,10,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | Charged per HSBC's tariff sheet; no flat figure is published in the readable portion of the MITC. |
| Reward Redemption Fee | 0 |
