M16S / HSBC / HSBC Taj Credit Card
super-premium · cobrand, travel, rewards
HSBC Taj Credit Card
The HSBC Taj Credit Card costs Rs 1,10,000 a year. Its base return is 1% (1.5 points per Rs 100). The forex markup is 0%. Lounge visits in India: Unlimited. Abroad: Unlimited globally. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 1,10,000+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 0%
- Interest
- 3.75%a month
Apply on hsbc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 1,10,000 |
|---|---|
| Annual fee | Rs 1,10,000 |
| Fee notes | Rs 1,10,000 joining fee after activation and Rs 1,10,000 each year after 12 months. No waiver stated. |
Rewards
| Welcome benefit | On activation: two nights' breakfast-inclusive stays at Taj hotels across India and one night at Taj Palaces. Voucher for one extra Taj Palaces night, valid 6 months, on new or renewed cards (to 31 Dec 2026). |
|---|---|
| Reward currency | HSBC Taj Credit Card points (wallet) |
| Base earn | 1.5 points per Rs 100 |
| Base return | 1% |
| Point value | 1.5 points = Rs 1 in the HSBC Taj Credit Card Wallet |
| Accelerated earn | 5 points per Rs 100 at Taj, SeleQtions, Gateway, Vivanta and ama Stays & Trails. Partner offers: 50 points per Rs 100 at Dyson; 6X-14X on Apple via Unicorn. |
| Caps | No spending cap stated |
| Spends that earn nothing | No points on fuel (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (6540), rent (6513), education and government incl. tax (9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9223, 9402, 9211, 9405), insurance (6300, 5960), jewellery and antiques (5944, 5094), money transfers (4829), forex/crypto/quasi-cash (6011, 6010, 6012, 6051), wholesale clubs (5300), utilities (4900), cash withdrawals, credit repayments |
| Reward notes | base_return_pct = 1.5 points per Rs 100 at 1.5 points = Rs 1, i.e. 1%. Taj group spend returns 3.33%. The value of this card is in the stay vouchers and Taj InnerCircle Platinum tier, not the earn rate. |
Travel and perks
| Domestic lounge | Unlimited |
|---|---|
| International lounge | Unlimited globally |
| Lounge conditions | Guest rules are in the airport lounge T&C PDF, not read |
| Forex markupunverified | 0% |
| Fuel surcharge waiverunverified | Aggregator: waiver on fuel transactions of Rs 400-4,000. HSBC's fuel surcharge waiver page does not list the Taj card among eligible cards. |
| Other freebies | NeuPass Taj InnerCircle Platinum tier; 25% off Best Available Rate at Taj and participating IHCL hotels; unlimited room upgrades; The Chambers Lounge up to 12 visits a year with a guest; Taj Club Lounge 12 visits; 4 set-meal-for-two vouchers; 25% off food, beverages and Qmin; up to 4 spa treatments a year; pool access for two 12 times a year; 12 golf games and lessons a year; 4 domestic and 4 international chauffeur airport transfers a year; AdaniOne duty-free 15% off; BookMyShow buy-one-get-one twice a month |
Charges and eligibility
| Interest per monthunverified | 3.75% |
|---|---|
| Late payment feeunverified | Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month |
| Cash advance feeunverified | 2.5% min Rs 300 |
| Eligibility | Age 25-75. Income Rs 36 lakh+ a year salaried or Rs 45 lakh+ self-employed. Indian resident (or NRI with an existing HSBC India account) in one of 21 listed cities. |
| Fine-print notes | Only the product page was read from HSBC. The Taj card MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/taj/hsbc-taj-important-terms-and-conditions.pdf) is blocked to automated readers. Zero forex markup is from Card Insider (17 Jul 2026) and is not on the product page as read. Visa Infinite card. Whether wallet points convert to NeuCoins or to air miles was not found. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards. |
Questions
- What is the annual fee of the HSBC Taj Credit Card?
- Rs 1,10,000 a year, before GST.
- Does the HSBC Taj Credit Card give airport lounge access?
- Yes. In India: Unlimited. Outside India: Unlimited globally. Conditions: Guest rules are in the airport lounge T&C PDF, not read
- What is the forex markup on the HSBC Taj Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HSBC Taj Credit Card?
- No points on fuel (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (6540), rent (6513), education and government incl. tax (9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9223, 9402, 9211, 9405), insurance (6300, 5960), jewellery and antiques (5944, 5094), money transfers (4829), forex/crypto/quasi-cash (6011, 6010, 6012, 6051), wholesale clubs (5300), utilities (4900), cash withdrawals, credit repayments