HSBC Taj Credit Card

The Taj credit card offered by HSBC bank is a premium credit card specifically designed for customers who seek luxury. This credit card offers benefits like complimentary stays at Taj palaces, unlimited room upgrades, dining discounts, spa treatments, and much more. Read on to know more about the features, benefits, eligibility criteria, and application process of the HSBC Taj credit card. 

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Features and Benefits of HSBC Taj Credit Card

The main features and benefits of the HSBC Taj Credit Card are mentioned in the table below:

  1. Taj Palace benefits: On activating your HSBC Taj credit card, you get a complimentary two-nights stay with breakfast at selected hotels across India, and you also get a complimentary one-night stay at a luxurious Taj Palace. This credit card also offers Platinum membership in the NeuPass Taj InnerCircle program. Through this membership you get access to benefits like early check-in, late check-out, and 24/7 Platinum customer support. Moreover, you also get up to 12 visits a year to The Chambers Lounge with a guest. 
  1. Stay and dining offers: With this credit card, you can upgrade your room for free to the next category as many times as you stay. You can also save 25% on the best available rate at Taj Hotels and other IHCL properties. Enjoy four meal vouchers for two people at selected restaurants across India. Moreover, you also get 25% off on food and drinks at participating restaurants and on Qmin food deliveries. 
  1. Spa-benefits: Get a 60-min spa treatment up to four times a year with other benefits like steam and sauna rooms. 
  1. Exclusive access: Get access to the Taj Club Lounge up to 12 times a year. You also attend ‘Rendezvous’ events that include masterclasses by celebrated speakers and other unique experiences. 
  1. Travel benefits: This credit card offers unlimited airport lounge access across the world, 5% off on booking Emirates flights from India, and 15% on duty-free shopping through the AdaniOne app once a month, capped at Rs.7,500. You can also enjoy four complimentary chauffeur-driven airport transfers annually with Blacklane. 
  1. Reward points: For every Rs.100 spent on regular purchases, earn 1.5 reward points. For every Rs.100 spent at Taj, Gateway, SeleQtions, Vivanta hotels, and amã Stays & Trails bungalows, get 5 reward points. Do note that every 1.5 reward point is equivalent to Re.1 in HSBC Taj credit card wallet. 
  1. Croma offer: Get 5% discount on laptops, mobile phones, and electronics, capped at Rs.2,000, on a minimum spend of Rs.20,000. 
  1. Starbucks offer: Get 50% discount at Starbucks, capped at Rs.150. The offer is valid up to four times a month. 
  1. Tira offer: Get 25% off on beauty products from local as well as global products. The minimum spend should be Rs.2,499 and the discount is capped at Rs.750. 
  1. Offer on watches: Get offer on selected watches like Emporio Armani, Michael Kors, and Boss. 
  1. Zomato offers: Get up 12% off on selected restaurants through Zomato, with minimum spends of Rs.2,499 and discounts capped at Rs.500. 
  1. Swiggy offers: Get up 10% on ordering food and groceries through Swiggy. 
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Eligibility Criteria for HSBC Taj Credit Card

The eligibility criteria that must be met to opt for the HSBC Taj Credit Card are mentioned below:

  1. You must be between the ages of 25 years and 75 years.
  2. You must be an Indian resident.
  3. You should live in Pune, Mumbai, Kolkata, Kochi, Jaipur, Hyderabad, Delhi National Capital Region (NCR), Delhi, Coimbatore, Chennai, Chandigarh, Bengaluru, or Ahmedabad.
  4. The applicant should have an annual income of Rs.40 lakh in the case of salaried and Rs.60 lakh in the case of self-employed. 

Documents Required for HSBC Taj Credit Card

The list of documents that must be submitted when you apply for the HSBC Taj Credit Card are mentioned below:

  1. Proof of address.
  2. Proof of identity.
  3. Permanent Account Number (PAN).
  4. In case you are a salaried employee, latest salary slip must be provided.

Any other documents that are requested by HSBC must be submitted as well.

Fees and Charges of HSBC Taj Credit Card

The different fees and charges that must be paid are given in the table below:

Type of Fee 

Charge 

Joining Fee 

Rs.1,10,000 + taxes 

Annual Fee 

Rs.1,10,000 + taxes 

Cash Advance Fee 

2.5% of the transaction amount (minimum Rs.300) 

Interest- Free Credit Period 

Up to 48 days 

Balance Transfer Charges 

10.99% p.a. to 15.99% p.a. across tenures 

Overlimit fee 

Rs.500 each month 

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FAQs on HSBC Taj Credit Card

  • What is the minimum age criteria to apply for the HSBC Taj Credit Card?

    The minimum age criteria to apply for the HSBC Taj credit card is 25 years. 

  • Does the HSBC Taj credit card offer airport lounge access benefits?

    Yes, the HSBC Taj credit card offers airport lounge access benefits across the globe. 

  • What is the free credit period on the HSBC Taj Credit Card?

    The free credit period is up to 48 days on the HSBC Taj Credit Card.

  • When should the HSBC Taj Credit Card joining fee be paid?

    The HSBC Taj Credit Card joining fee must be paid once the card is activated.

  • How much is the joining fee for the HSBC Taj Credit Card?

    The joining fee for the HSBC Taj credit card is Rs.1,10,000. 

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