Question 1

What is the annual fee on the HSBC Taj Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

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