Ultra-Luxury Hospitality Credit Card with Taj Epicure Preferred & Unlimited Lounges
Discerning patrons of Taj, SeleQtions, Vivanta, and Ginger hotels seeking VIP hospitality treatment and accelerated hotel rewards.
₹1.1 lakh
One-time upfront₹1.1 lakh
Waiver terms not verifiedAccelerated Taj Points on IHCL Stays
On eligible spends2.00% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HSBC Taj Credit Card is one of the most distinguished co-branded hospitality payment cards in Asia, created through a direct partnership between HSBC India and the iconic Indian Hotels Company Limited (IHCL). Tailored exclusively for ultra-high-net-worth patrons of Taj properties, it commands a premium annual membership fee of ₹1,10,000 plus GST. This upfront commitment is immediately matched by welcome stay and dining vouchers worth ₹1,00,000 redeemable across luxury Taj Palaces, SeleQtions, and Vivanta properties worldwide. Cardholders receive automatic top-tier Taj Epicure Preferred membership, conferring guaranteed room upgrades, complimentary daily gourmet breakfast, and 25% savings on fine dining and Jiva Spa treatments. Spend rewards deliver an exceptional 12 NeuCoins/Taj InnerCircle points per ₹100 spent directly on Taj hotel reservations and banquet dining, yielding a 12% effective hospitality return. For global voyagers, it provides unlimited complimentary domestic and international airport lounge access via Priority Pass for cardholders and accompanying guests, combined with a preferential 2.00% forex markup. For frequent guests at luxury Taj retreats like the Taj Mahal Palace Mumbai or Taj Lake Palace Udaipur, the HSBC Taj Credit Card delivers unmatched regal hospitality.
5 RPs/₹100 Spent at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels and amã Stays & Trails Bungalows. 1.5 RPs/₹100 on All Other Eligible Purchases
Two Breakfast-Inclusive Taj Hotel Stays + One Taj Palace Stay On Activation, Plus An Extra Palace Voucher (Valid Till 30th September 2026)
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Taj, Vivanta, SeleQtions Hotel Stays & Dining | Accelerated Taj InnerCircle Points & Platinum benefits on IHCL properties | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Taj, Vivanta, SeleQtions Hotel Stays & Dining | ₹30,000 | Accelerated Taj InnerCircle Points & Platinum benefits on IHCL properties | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1.1 lakh
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively by-invitation only for HSBC Premier and Private Banking clients. • Joining & Annual Fee: ₹1,10,000 + GST; non-waivable annual fee. • Welcome Benefit: ₹1,00,000 in Taj Epicure vouchers credited upon annual fee settlement. • Elite Status: Complimentary Taj Epicure Preferred membership with guaranteed late checkout, room upgrades, and 25% dining discounts. • Accelerated Rewards: 12 Taj points per ₹100 on Taj stays and dining; 4 Taj points per ₹100 on all other retail spending. • Airport Lounge Access: Unlimited complimentary domestic and international airport lounge access via Priority Pass with guest allowance. • Reduced Forex Markup: Preferential foreign currency transaction markup of 2.00% + GST. • Global Concierge: 24/7 bespoke HSBC Premier & Taj luxury concierge service.
Evaluate whether this card's perks and waiver threshold justify its ₹1.1 lakh renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HSBC Taj Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HSBC India portal with paperless verification.
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