Visa ★ Metal Edition 📡 Contactless NFC

HSBC Taj Credit Card

Joining Fee₹110,000

Annual Fee₹110,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Ultra-high-net-worth individuals, palace connoisseurs, and luxury patrons seeking private Chambers club lounge access, Taj Palace complimentary stays, 25% dining savings at IHCL hotels, and unlimited global airport lounges.

Who Should Avoid

Users who cannot justify the ₹1,10,000 annual fee or those seeking standard cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

2 nights' stays at Taj hotels + 1 night stay at Taj Palaces + NeuPass Taj InnerCircle Platinum Tier + 4 set-meal vouchers for 2 at iconic IHCL restaurants upon fee payment

3 Complimentary Taj Hotel & Palace Stays

Complimentary 2 nights' breakfast-inclusive stays at luxury Taj hotels + 1 night stay at iconic Taj Palaces upon joining and card activation.

Taj InnerCircle Platinum & The Chambers Access

Complimentary NeuPass Taj InnerCircle Platinum Tier membership + access to The Chambers Lounge up to 12 times a year with a guest.

Unlimited Global Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access globally for primary cardholders.

💰 Reward Structure & Point Valuation

1 Taj Reward Points = ₹0.67

Standard Base Earning

1.5 Reward Points per ₹100 spent on all other retail transactions (1.0% return; 1.5 RPs = ₹1.00 in HSBC Taj Wallet)

Accelerated / Partner Rate

5 Reward Points per ₹100 (3.33% return) on spends at Taj, SeleQtions, Gateway, Vivanta hotels, and amã Stays & Trails; 25% savings on Best Available Rates and dining at IHCL hotels; Buy 1 Get 1 free on BookMyShow (up to ₹750/ticket twice a month); 4 domestic & 4 international chauffeur airport transfers/year

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct HSBC Taj Card Wallet Balance Settlement (1.5 RPs = ₹1.00 for Taj stays & dining), IHCL Stays, Spa, and Dining Vouchers

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access + 12 visits/year to Taj Club Lounges

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass + 12 visits/year to The Chambers Private Lounges for cardholder & guest

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

No spend-based fee waiver exists. Annual renewal fee of ₹1,10,000 + GST applies with complimentary annual luxury Taj stays and Chambers access renewed

UPI Payments Support✗ Not Supported

UPI not supported on Visa metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹10,000 (Capped at ₹1000/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit25 - 75 Years

Min. Monthly Income₹333,333

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.75% per month (45.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the HSBC Taj Credit Card

Annual Fee: ₹110,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, HSBC Taj Credit Card has a joining fee of ₹110000 and an annual renewal fee of ₹110000 (plus applicable taxes).