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Joining Benefits

One Night Stay Inclusive of Breakfast for Two Persons at Grand Palaces

The HSBC Taj Credit Card offers a complimentary one-night stay with breakfast for two at select iconic Taj Grand Palaces, including Rambagh Palace (Jaipur), Taj Lake Palace (Udaipur), and The Taj Mahal Palace (Mumbai).

Non-transferable and exclusive to the cardholder, taxes and charges must be paid via the HSBC Taj Credit Card.

One Night Stay Inclusive of Breakfast for Two Persons

The HSBC Taj Credit Card offers a complimentary one-night stay with breakfast for two at select Taj hotels in India, excluding Taj Palaces, Taj Safaris, Tree of Life, Ginger, and amã Stays & Trails. Redemption requires prior booking, is subject to availability, and is valid only for the cardholder using the registered mobile number.

This voucher is non-transferable, cannot be clubbed with other offers, and must be validated with an OTP during check-in.

Reward Points

• Earn 1.5 Reward Points for every ₹100 you spend on standard purchases.
• Earn 5 Reward Points for every ₹100 you spend at Taj, SeleQtions, Gateway, Vivanta, Ginger Hotels, and amã Stays & Trails bungalows.
• 1.5 Reward Points are equivalent to ₹1 in the HSBC Taj Credit Card Wallet balance.

Vouchers and Other IHCL Hotels Benefits

The HSBC Taj Credit Card offers exclusive benefits across popular Taj and other IHCL Hotels.

Taj Innercircle NeuPass Platinum Tier

The HSBC Taj Credit Card upgrades customers to Taj InnerCircle NeuPass Platinum status, offering 8 NeuCoins per ₹100 spent at IHCL hotels and 4 NeuCoins per ₹100 at Ginger Hotels (net of taxes). Benefits include 2-hour early check-in/late check-out and priority or in-room check-in (subject to availability). NeuCoins can be earned only on direct bookings via official Taj channels and redeemed for Taj Experience Gift Cards (minimum ₹1,000). Tree of Life Resorts are excluded from the NeuPass program.

Complimentary Cake in Customer’s Birthday Month

The HSBC Taj Credit Card offers a complimentary Celebration Cake when dining at participating Taj restaurants during the cardholder’s birthday month, as registered with the card. This dine-in-only offer requires a prior reservation, is subject to availability, and is exclusive to the cardholder. Validation with the registered mobile number and OTP is mandatory.

The offer is not applicable for takeaway, delivery, or blackout dates and cannot be combined with other promotions.

Unlimited Upgrade E-Vouchers

HSBC Taj Credit Card customers receive upgrade E-Vouchers for a complimentary room upgrade to the next category (up to a base category suite) for up to 5 consecutive nights, subject to availability at check-in at participating IHCL hotels. Each voucher applies to one room per stay and is valid only for bookings in the cardholder’s name.

Access to The Chambers Lounge

Experience unparalleled luxury with the HSBC Taj Credit Card, offering 12 annual visits to The Chambers Lounge, India’s premier executive business club, and the Taj Club Lounge, complete with tea or coffee for two. Enjoy exclusive access to networking events featuring renowned speakers, entertainment, and masterclasses, complemented by fine beverages and gourmet cuisine. Usually, one has to purchase A Chambers Lounge membership, but this benefit is provided exclusively with the HSBC Taj Credit Card.

25% Discount on Qmin Food Deliveries

HSBC Taj Credit Cardholders enjoy a 25% discount on food delivery orders placed exclusively through the Qmin mobile app, available on Google Play and the Apple App Store. The discount applies to participating restaurants across IHCL hotels and must be applied during checkout. Taxes and charges must be paid using the HSBC Taj Credit Card. This benefit cannot be combined with other offers, renewed, or exchanged for cash.

Travel Benefits

Travel in ultimate comfort and style with the HSBC Taj Credit Card, designed to elevate your journeys.

• Enjoy unlimited global airport lounge access to unwind before your flights.
• Exclusive savings of up to 5% on Emirates flights departing from India using the code ‘INHSBCT’.
• Indulge in monthly 15% discounts on duty-free shopping via AdaniOne (minimum spend ₹3,000, maximum₹7,500).
• To add a touch of luxury, the card includes four chauffeur-driven limousine transfers annually, courtesy of Blacklane. Whether in the air or on the ground, this card ensures a seamless and sophisticated travel experience.

Other Card Benefits

• 50% off at Starbucks: Enjoy 50% off 4 times a month, with a maximum savings of ₹150.
• 25% off at Tira: Save on beauty products from global and local brands (minimum spend ₹2,499, max savings ₹750).
• 10% off at PVR Cinemas: Get discounts on HSBC Gold Class movie tickets, food, and beverages.
• 10% off at Just In Time: Avail savings on watches from brands like Michael Kors, Boss, and Emporio Armani.
• 2-for-1 tickets on BookMyShow: Get 2-for-1 tickets for movies and events (max ticket value ₹750 each).
• 12% off at Zomato: Save on restaurants, cafés, and bars (minimum spend ₹2,499, max savings ₹500).
• 10% off at Swiggy: Discounts on food and grocery orders with convenient delivery options.
• 5% off at Croma: Save on electronics like phones and laptops (minimum spend ₹20,000, max savings ₹2,000).

How to Apply for the HSBC Taj Credit Card?

As of now, the waiting list for the HSBC Taj Credit Card is open. Here are some eligibility factors that are known.

• This credit card can be availed by Indian citizens who are between 25 years old and 75 years old.
• For salaried individuals, the minimum income should be ₹40 lakhs per year. For self-employed individuals, it should be ₹60 lakhs per year.
• This credit card is only available in select serviceable cities, which include – Delhi, Delhi-NCR, Chandigarh, Jaipur, Mumbai, Pune, Ahmedabad, Kolkata, Bengaluru, Chennai, Hyderabad, Kochi, and Coimbatore.

Bottom Line

The HSBC Taj Credit Card is essential for individuals who frequently spend at Taj hotels and other partner establishments. The introduction of this credit card represents a significant development in the hotel-associated credit card market in India. Previously, this area was largely unexplored, but it now features two major players: the Marriott and Taj co-branded credit cards. While the HDFC Marriott Bonvoy card offers straightforward benefits, the HSBC Taj Credit Card provides a wealth of advantages and luxurious privileges, albeit with a substantial annual fee.

Those with premier banking relationships with HSBC should definitely opt for this card. Other individuals who often stay or dine with Taj can also have this in their wallets for exclusive discounts, deals, and privileges. But in the end, the question shall remain whether those interested can get the benefits worth the fees from this credit card.