What is the reward rate on the HSBC Taj Credit Card?

You earn 5 points per ₹100 on Taj, SeleQtions, Gateway and similar spends. Everything else earns 1.5 points per ₹100. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 500 points, roughly ₹500, which is about 5% back.

Does the HSBC Taj Credit Card give unlimited airport lounge access?

Yes. The card carries unlimited complimentary domestic and international lounge visits for the primary member, and guest visits are usually chargeable. Lounge access on premium cards is increasingly linked to prior quarter spend, so check your statement page each quarter. This is the single benefit that justifies most of the fee if you fly even once a month.

What has changed on the HSBC Taj Credit Card in 2026?

Stronger joining and renewal benefits (extra Taj Palace voucher, stronger year-round privileges). The changes are dated Feb 2026. On ₹3L of yearly spend the card returns roughly ₹4,500 at its general rate of about 1.5%, against a ₹50,000 renewal fee. The reward rate alone does not cover the fee, so this card only pays off if you use the vouchers and the lounge access every year.

←

Card Details

9637 5653 8978 4344

HSBC Taj Credit Card

HSBCVISA

Monzy Score

5.5/ 10

Decent for frequent travellers.

The ~₹50,000 fee needs heavy spend to justify; high 3.5% forex markup.

Card Issuer

HSBC

Joining Fee

₹1,10,000

Annual Fee

₹1,10,000

Reward Type

Reward Points

Card Access

Standard

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC

See all

Earn Points

5pts

/₹100 on Taj, Seleqtions, Gateway, Vivanta & Amã Stays

1.5pts

/₹100 on All Other Spends

Benefits

Hotels

5 RP/₹100 at Taj and partner hotels

Complimentary Taj stays and elite-style upgrades
Two stay vouchers at participating Taj hotels plus one Taj Palace stay on activation or renewal
Unlimited room upgrades to the next category during stays, subject to availability
Additional Taj Palace voucher offered only for new or renewed cards until 30 Sep 2026

Travel

Unlimited airport lounges + 12 Chambers visits

Extensive lounge access on ground and at airports
Unlimited global airport lounge access
12 visits per year to The Chambers Lounge and Taj Club Lounge with a guest
Premium travel concierge-style perks
Eight chauffeur-driven airport transfers every year
Spa treatments, sauna/steam access and 12 golf games or lessons annually
Up to ₹20,000 savings on eligible MakeMyTrip bookings and monthly 15% AdaniOne duty-free discount
Chauffeur service and partner discounts require advance booking and are subject to availability

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Taj / IHCL hotels (Taj, SeleQtions, Gateway, Vivanta, ama Stays & Trails)

5 RP per Rs.100 at IHCL properties; ~3.33% value. Points usable only at IHCL hotels (rooms/F&B/spa); 1.5 RP = Rs.1

₹1,005

All other standard spends

1.5 RP per Rs.100; ~1% value. Forex markup assumed 2% (premium tier), verify

₹0

Total Annual Return

₹12,060

3.35% Effective ROI

What Users Are Saying

Community Feed

Feb 2026

HSBC TajNEUTRAL

“HSBC Taj credit card”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Query on Taj HSBC Credit Card”

by r/CreditCardsIndia, Jun 2026

HSBC TajPOSITIVE

“Received the latest premium card - HSBC Taj”

by r/IndianCreditCards, Oct 2025

HSBC TajNEUTRAL

“Hsbc Taj Credit Card Query”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Amex Marriott Taj rewards vs new HSBC Tata Taj Card”

by r/amexindia, Jul 2025

Frequently Asked Questions

The HSBC Taj Credit Card charges ₹50,000 plus GST as a joining fee and the same ₹50,000 again at renewal. There is no spend based waiver on this card, so the ₹50,000 is a fixed yearly cost you pay regardless of how much you spend.

Things to Keep in Mind

Reward points are not earned on utilities, government services, rent, fuel, insurance, jewellery, e-wallet loads and other excluded MCCs.

Additional Taj Palace stay voucher is only issued on new or renewed cards until 30 September 2026.

Lounge and lifestyle benefits are subject to terms and conditions

←

Card Details

9637 5653 8978 4344

HSBC Taj Credit Card

HSBCVISA

Monzy Score

5.5/ 10

Decent for frequent travellers.

The ~₹50,000 fee needs heavy spend to justify; high 3.5% forex markup.

Card Issuer

HSBC

Joining Fee

₹1,10,000

Annual Fee

₹1,10,000

Reward Type

Reward Points

Card Access

Standard

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC

See all

Earn Points

5pts

/₹100 on Taj, Seleqtions, Gateway, Vivanta & Amã Stays

1.5pts

/₹100 on All Other Spends

Benefits

Hotels

5 RP/₹100 at Taj and partner hotels

Complimentary Taj stays and elite-style upgrades
Two stay vouchers at participating Taj hotels plus one Taj Palace stay on activation or renewal
Unlimited room upgrades to the next category during stays, subject to availability
Additional Taj Palace voucher offered only for new or renewed cards until 30 Sep 2026

Travel

Unlimited airport lounges + 12 Chambers visits

Extensive lounge access on ground and at airports
Unlimited global airport lounge access
12 visits per year to The Chambers Lounge and Taj Club Lounge with a guest
Premium travel concierge-style perks
Eight chauffeur-driven airport transfers every year
Spa treatments, sauna/steam access and 12 golf games or lessons annually
Up to ₹20,000 savings on eligible MakeMyTrip bookings and monthly 15% AdaniOne duty-free discount
Chauffeur service and partner discounts require advance booking and are subject to availability

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Taj / IHCL hotels (Taj, SeleQtions, Gateway, Vivanta, ama Stays & Trails)

5 RP per Rs.100 at IHCL properties; ~3.33% value. Points usable only at IHCL hotels (rooms/F&B/spa); 1.5 RP = Rs.1

₹1,005

All other standard spends

1.5 RP per Rs.100; ~1% value. Forex markup assumed 2% (premium tier), verify

₹0

Total Annual Return

₹12,060

3.35% Effective ROI

What Users Are Saying

Community Feed

Feb 2026

HSBC TajNEUTRAL

“HSBC Taj credit card”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Query on Taj HSBC Credit Card”

by r/CreditCardsIndia, Jun 2026

HSBC TajPOSITIVE

“Received the latest premium card - HSBC Taj”

by r/IndianCreditCards, Oct 2025

HSBC TajNEUTRAL

“Hsbc Taj Credit Card Query”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Amex Marriott Taj rewards vs new HSBC Tata Taj Card”

by r/amexindia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

Reward points are not earned on utilities, government services, rent, fuel, insurance, jewellery, e-wallet loads and other excluded MCCs.

Additional Taj Palace stay voucher is only issued on new or renewed cards until 30 September 2026.

Lounge and lifestyle benefits are subject to terms and conditions

←

Card Details

9637 5653 8978 4344

HSBC Taj Credit Card

HSBCVISA

Monzy Score

5.5/ 10

Decent for frequent travellers.

The ~₹50,000 fee needs heavy spend to justify; high 3.5% forex markup.

Card Issuer

HSBC

Joining Fee

₹1,10,000

Annual Fee

₹1,10,000

Reward Type

Reward Points

Card Access

Standard

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC

See all

Earn Points

5pts

/₹100 on Taj, Seleqtions, Gateway, Vivanta & Amã Stays

1.5pts

/₹100 on All Other Spends

Benefits

Hotels

5 RP/₹100 at Taj and partner hotels

Complimentary Taj stays and elite-style upgrades
Two stay vouchers at participating Taj hotels plus one Taj Palace stay on activation or renewal
Unlimited room upgrades to the next category during stays, subject to availability
Additional Taj Palace voucher offered only for new or renewed cards until 30 Sep 2026

Travel

Unlimited airport lounges + 12 Chambers visits

Extensive lounge access on ground and at airports
Unlimited global airport lounge access
12 visits per year to The Chambers Lounge and Taj Club Lounge with a guest
Premium travel concierge-style perks
Eight chauffeur-driven airport transfers every year
Spa treatments, sauna/steam access and 12 golf games or lessons annually
Up to ₹20,000 savings on eligible MakeMyTrip bookings and monthly 15% AdaniOne duty-free discount
Chauffeur service and partner discounts require advance booking and are subject to availability

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Taj / IHCL hotels (Taj, SeleQtions, Gateway, Vivanta, ama Stays & Trails)

5 RP per Rs.100 at IHCL properties; ~3.33% value. Points usable only at IHCL hotels (rooms/F&B/spa); 1.5 RP = Rs.1

₹1,005

All other standard spends

1.5 RP per Rs.100; ~1% value. Forex markup assumed 2% (premium tier), verify

₹0

Total Annual Return

₹12,060

3.35% Effective ROI

What Users Are Saying

Community Feed

Feb 2026

HSBC TajNEUTRAL

“HSBC Taj credit card”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Query on Taj HSBC Credit Card”

by r/CreditCardsIndia, Jun 2026

HSBC TajPOSITIVE

“Received the latest premium card - HSBC Taj”

by r/IndianCreditCards, Oct 2025

HSBC TajNEUTRAL

“Hsbc Taj Credit Card Query”

by r/CreditCardsIndia, Feb 2026

HSBC TajNEUTRAL

“Amex Marriott Taj rewards vs new HSBC Tata Taj Card”

by r/amexindia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

Reward points are not earned on utilities, government services, rent, fuel, insurance, jewellery, e-wallet loads and other excluded MCCs.

Additional Taj Palace stay voucher is only issued on new or renewed cards until 30 September 2026.

Lounge and lifestyle benefits are subject to terms and conditions