HSBC Taj Credit Card

HSBC Taj Credit Card

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Experience the ultimate in luxury, from tailored stays at Taj Hotels to privileges that match your lifestyle, with HSBC Taj Credit Card. The card offers a wide range of benefits including Stay for 2 at Taj Palaces, 25% discount on food and beverages at partner hotels, 1-night stay voucher including breakfast, meal vouchers for 2 persons at the participating Signature and All-Day Dining restaurants, unlimited upgrade benefit, unlimited airport lounge access globally, and much more. The joining and annual fee is Rs. 1,10,000 for this card.

  • Key Highlights
  • Features & Benefits
  • Fees & Charges
  • Eligibility Criteria
  • Document Required
  • How to Apply

Key Highlights of HSBC Taj Credit Card

The key highlights of the HSBC Taj Credit Card are as follows:

Best forLuxury Hotel Stays
Joining feeRs. 1,10,000
Annual fee Rs. 1,10,000
Reward Points1.5 RP for every Rs. 100 spent on a standard purchase and 5 RP for every Rs. 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels & amã Stays & Trails bungalows
Complimentary Airport Lounge AccessUnlimited airport lounge access globally
Annual Income At least Rs. 40 Lakhs for salaried and Rs. 60 Lakhs for self-employed
Age 25 - 75 years

Features & Benefits of HSBC Taj Credit Card

Stay for 2 at Taj Palaces

  • 2 nights' breakfast-inclusive stays at hotels across India and 1 night stay at Taj Palaces on card activation.
  • Access to exclusive privileges with the NeuPass Taj InnerCircle Platinum Tier membership.
  • Priority/ early check-ins, late check-outs, access to a dedicated 24x7 Platinum customer care service, etc.
  • Exclusive access to The Chambers Lounge for up to 12 times a year for you as well as your guest.
  • Manage your bookings easily by calling HSBC on 1800 569 1111, or the IHCL concierge desk on 1800 202 5575

Food & Beverage Offer

  • 25% discount on food and beverages (including alcohol), across participating hotels. 
  • Applicable for a group of up to 10 customers.

Qmin App Offer

  • 25% discount on food order delivery via the Qmin mobile app. 
  • Applicable for order value above Rs. 1,500 (excluding taxes).

Discount on Best Available Rates

  • 25% savings on Best Available Rates through the year for room reservations. 
  • Applicable for room-only and breakfast-inclusive rates on direct bookings.

Vouchers for 1-Night Stay Including Breakfast 

  • 1-night room stay and breakfast for two persons only on the base category hotel room. 
  • Does not include any other offerings or services. 
  • Vouchers will be issued to the customer at the time of card activation or renewal. 
  • This voucher is non-transferable and is valid at participating hotels for use within India only. 
  • This voucher is not applicable at any Taj Palaces, Taj Safaris, Tree of Life, Ginger or amã Stays & Trails.

Voucher for 1-Night Stay Including Breakfast at Palaces

  • 1-night room stay and breakfast for 2 persons only on the base category room of the Grand Palaces. 
  • Does not include any other offerings or services. 
  • The voucher will be issued to the customer at the time of card activation or renewal. 
  • This voucher is non-transferable and is valid for use only at Taj Usha Kiran Palace (Gwalior), Jai Mahal Palace (Jaipur), Rambagh Palace (Jaipur), Taj Fateh Prakash Palace (Udaipur), Taj Lake Palace (Udaipur), The Taj Mahal Palace (Mumbai), Taj Falaknuma Palace (Hyderabad), Umaid Bhawan Palace (Jodhpur), and Taj Nadesar Palace (Varanasi). 

Meal Vouchers 

  • A set meal for 2 persons at the participating Signature and All-Day Dining restaurants across participating hotels. 
  • Does not include any other offerings or services within India. 
  • Vouchers will be issued to the customer at the time of card activation or renewal. 
  • This voucher can be utilised on all days of the week.

J Wellness Circle/ Jiva Spa Offer

  • 25% discount on services offered by J Wellness Circle/ Jiva Spa across participating hotels. 
  • 4 vouchers for a complimentary 60-minute spa treatment and access to sauna & steam for 1 person at the J Wellness Circle/ Jiva Spa across participating hotels.
  • Does not include any other offerings or services. 
  • Vouchers will be issued to the customer at the time of card activation or renewal. 

The Taj Club Lounge Access Vouchers 

  • 12 Taj club lounge access vouchers entitle the customer and 1 accompanying guest, access to The Taj Club lounge with 1 round of complimentary tea/ coffee service at participating Taj hotels.
  • Does not include any other offerings or services. 
  • These non-transferable vouchers will be issued to the customer at the time of card activation or renewal. 

The Chambers Lounge Access Vouchers 

  • 12 access vouchers for The Chambers lounge entitle the customer and 1 accompanying guest, an access for 2 hours to The Chambers Lounge with a complimentary tea/ coffee service at participating Taj hotels within India.
  • Does not include any other offerings or services. 
  • This non-transferable voucher is valid for use only at The Chambers lounge of Taj Bengal (Kolkata), Taj Coromandel (Chennai), Taj Krishna (Hyderabad), Taj Lands End (Mumbai), Taj Mahal (New Delhi), The Taj Mahal Palace (Mumbai), and Taj West End (Bengaluru).

Pool Access Vouchers

  • 12 Pool access vouchers entitle the customer, and 1 accompanying guest, to a pool access at participating Taj hotels within India.
  • Does not include any other offerings or services. 
  • This voucher is non-transferable.

Taj Innercircle NeuPass Platinum Tier Benefits

  • This benefit entitles the customer to be upgraded to Taj Innercircle NeuPass Platinum tier status. 
  • The upgrade will be processed for the customer at the time of card activation or renewal 
  • A Platinum-tier customer will earn 8 NeuCoins for every Rs. 100 of eligible spends at participating IHCL Hotels. 
  • A Platinum-tier customer will earn 4 NeuCoins for every Rs. 100 of eligible spends at participating Ginger Hotels. 
  • A Platinum-tier customer will be eligible for a 2-hour early check-in and 2-hour late check-out, subject to availability.

Unlimited Upgrade Benefit

  • Complimentary upgrade to the next category of room booked for a maximum of 5 consecutive nights, subject to availability at check-in at any of the participating IHCL Hotels.
  • Upgrades will not be applicable towards an upgrade to a room category higher than a base category suite. 

4 Upgrade E-Vouchers to Taj Club Rooms 

  • Upgrade does not include airport transfer and any other service. 
  • Each upgrade voucher is applicable for a maximum of 5 consecutive nights, subject to availability at check-in at any of the participating IHCL Hotels. 
  • These vouchers are non-transferable and their validity cannot be extended beyond 365 days from the date of issue.

Happy Hours at Designated Lounge/Bars

  • Complimentary alcohol hours for the customer and partner, whilst the customer is staying in-house (resident guests only) at participating hotels between 6:00 to 8:00 pm on all days of the week. 
  • This benefit is applicable to alcoholic and non-alcoholic beverages served by a standard peg measure or by the glass. 
  • Select Bar & Menu will be classified by the participating hotel for this benefit.

Complimentary Airport Lounge Access

  • Unlimited airport lounge access globally.

Travel Benefits 

  • Up to 5% off on Emirates flights originating in India. Use code 'INHSBCT’.
  • Save 15% (maximum Rs. 3,000) on duty-free with the AdaniOne mobile app (once per month on a minimum order of Rs. 7,500).
  • 4 chauffeur-driven limousine transfers a year, courtesy of Blacklane.

Reward Points

  • 1.5 reward points for spending every Rs. 100 on a standard purchase.
  • 5 reward points for spending every Rs. 100 with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows.
  • 1.5 reward points = Rs. 1 in the HSBC Taj Credit Card Wallet balance.

Other Offers

  • 50% off (maximum Rs. 150) at Starbucks, 4 times a month.
  • 25% off (maximum Rs. 750) on beauty products from global and local brands at Tira (minimum spend Rs. 2,499).
  • 10% off on selected watches from the likes of Michael Kors, Boss and Emporio Armani at Just In Time.
  • See the latest movies and live events with 2 for 1 tickets via BookMyShow (maximum ticket value Rs. 750 each).
  • 12% off (maximum Rs. 500) on the best restaurants, cafés and bars in India at Zomato (minimum spend Rs. 2,499.
  • 10% off at Swiggy food and grocery orders, with convenient pickup and delivery
  • 5% off (maximum Rs. 2,000) at Croma (minimum spend Rs. 20,000.
  • Up to Rs. 20,000 off on business class tickets on MakeMyTrip with no minimum transaction value.

HSBC Taj Credit Card Fees & Charges

The fees and charges associated with the HSBC Bank Taj Credit Card are as follows:

  • Joining fee: Rs. 1,10,000
  • Annual fee: Rs. 1,10,000
  • Joining and annual fees for add-on cardholders: NIL. 
  • Cash advance fee: 2.5% of the transaction amount (minimum Rs. 300).
  • Finance charges: 3.75% p.m. (45% p.a.).
  • Late payment fee: 100% of the minimum payment due (minimum Rs. 250 & maximum Rs. 1,200 per month).
  • Foreign currency transaction charges: 3.5% (waived for India’s executive banking clients).
  • Cash payment charge at HSBC branches & dropboxes): Rs. 100. 
  • Bounced cheque/ dishonoured SI/ unsuccessful NACH payment: Rs. 350.
  • Charges for rental & related payments: 1% processing fee + applicable taxes. 
  • Transaction fee for cash advances at branches & ATMs: 2.5% of the transaction amount (minimum Rs. 300).
  • Transaction fee for cash withdrawal: Rs. 100 at ATMs overseas. 
  • Overlimit fee: Rs. 500 per month.
  • Balance transfer charges: 10.99% p.a. to 15.99% p.a. interest rate.

HSBC Taj Credit Card Eligibility Criteria

You can apply for an HSBC Taj Credit Card by meeting the following eligibility criteria:

  • The applicant can be an Indian resident (or already have an HSBC India bank account if they are an NRI).
  • The applicant must be aged between 25 and 75 years.
  • The applicant must have an annual income of at least Rs. 40 Lakhs (if salaried) or Rs. 60 Lakhs (if self-employed).
  • The applicant must reside in Delhi, National Capital Region (NCR), Jaipur, Chandigarh, Bangalore, Coimbatore, Chennai, Hyderabad, Mumbai, Pune, Kochi, Ahmedabad, or Kolkata.

Document Required for HSBC Taj Credit Card

To apply for an HSBC Taj Credit Card, you will need the following documents:

  • Proof of identity and residence
  • Applicant’s permanent account number (PAN) card
  • Latest monthly payslip (if salaried)
  • Last 2 years' ITR and 1 year's income proof (if self-employed)

Please note that the above list is for reference only. The bank may require additional documents from applicants during their credit card application process.

How to Apply for the HSBC Taj Credit Card

You can apply for the HSBC Taj Card online on their website/ mobile app or offline by visiting the nearest HSBC branch. 

For an instant application, you can apply online from our platform. 

  • Click on the ‘Credit Cards’ tab and choose the preferred credit card under the ‘HSBC Bank Credit Card’ option.
  • Fill in and submit all the necessary details.
  • You will be guided through the entire application process by our credit card experts.
  • On successful approval, your credit card will be dispatched to your address. 
  • The card and the PIN will be dispatched separately.

FAQs

The annual fee for the HSBC Taj Credit Card is Rs. 1,10,000.

Yes, HSBC Taj Credit Card offers complimentary Taj InnerCircle NeuPass Platinum membership. This benefit entitles the customer to be upgraded to Taj Innercircle NeuPass Platinum tier status, n 8 NeuCoins for every Rs. 100 of eligible spends at participating IHCL Hotels, 4 NeuCoins for every Rs. 100 of eligible spends at participating Ginger Hotels, and a 2-hour early check-in and 2-hour late check-out, subject to availability.

Yes, HSBC Taj Credit Card offer dining and spa discounts at Taj. This benefit includes 25% discount on services offered by J Wellness Circle/ Jiva Spa across participating hotels and 4 vouchers for a complimentary 60-minute spa treatment and access to sauna & steam for 1 person at the J Wellness Circle/ Jiva Spa across participating hotels.

Yes, the HSBC Taj Credit Card offers unlimited airport lounge access globally.

The applicant must have an annual income of at least Rs. 40 Lakhs (if salaried) or Rs. 60 Lakhs (if self-employed) to get HSBC Taj Credit Card approval.

Yes, the HSBC Bank Taj Credit Card is accepted worldwide as it is a Visa network card, providing global acceptance for transactions where Visa is accepted.