HSBC Taj Credit Card

Lounge access

• International: complimentary Priority Pass membership giving access to 1700+ lounges globally, unlimited complimentary international airport lounge visits per calendar year (primary cardholders only; USD 1 pre-authorization reversed within 5 working days).
• Domestic: VISA India airport lounge access programme on select lounges in India (one entry per cardholder; INR 2 validation authorization).
• Also 12 access vouchers to The Taj Club Lounge for two persons, 12 access vouchers to The Chambers Lounge for two persons, and 12 access vouchers to the Pool for two persons (issued at activation/renewal).

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Forex markup

• 3.5% on foreign currency transactions (waived off only for India's executive banking clients).
• KFS lists Taj co-brand currency conversion charge as 1.99%.

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Interest-free period

• Up to 48 days free credit period.
• Not valid if any balance of the previous month's bill is outstanding.
• Not applicable for cash advance transactions.

Verified · HSBC Taj Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver: 1% of fuel transaction value waived if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (both inclusive, excluding surcharge amount).
• Reward points not awarded on transactions eligible for surcharge waiver.

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Reward cap

• Taj Innercircle NeuPass Platinum tier: 8 NeuCoins per ₹100 of eligible spends (net of taxes) at participating IHCL Hotels and 4 NeuCoins per ₹100 at participating Ginger Hotels.
• NeuCoins earned only on direct bookings via Taj channels.
• Customer Points/NeuCoins redeemable/giftable as Taj Experience Gift Cards for a minimum amount of INR 1000.

Verified · HSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms) · 2026-08-03 · source

Reward exclusion

For transactions eligible for fuel surcharge waiver, reward points will not be awarded.

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Concierge

• Complimentary chauffeur-driven luxury airport transfers: via Blacklane (domestic + international) - 4 complimentary airport transfers per card per calendar year (domestic limit 80 km in Mumbai/New Delhi/Bangalore/Chennai/Hyderabad; international limit USD 180), booked via Aspire Global concierge with 72-hour minimum lead time.
• And via Ecos Mobility (domestic only) - 4 complimentary domestic airport transfers per Offer Period, once per quarter.

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Dining benefit

• 25% Discount on Food and Beverages (including alcohol) across participating Taj, SeleQtions, Gateway and Vivanta Hotels across the globe (for group size up to 10 customers), for dining, take away and in-room service.
• Discount calculated on bill value excluding taxes. 25% Discount on Qmin Food Deliveries (via Qmin mobile app, order value above ₹1,500 excluding taxes). 25% Discount on Spa (J Wellness Circle/Jiva Spa's across participating hotels).
• Not applicable on 1st January, 14th February and 24th, 25th and 31st December.

Verified · HSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms) · 2026-08-03 · source

Golf benefit

Happy Hours at designated lounge/bars across all participating hotels: complimentary alcoholic and non-alcoholic beverages (served by standard peg measure or by the glass) for the Customer and partner, whilst staying in-house (resident guests only), between 6:00 pm and 8:00 pm on all days of the week.

Verified · HSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms) · 2026-08-03 · source

Hotel benefit

• Vouchers issued at activation or renewal: 2 vouchers for One Night Stay incl. breakfast for two persons (base category, not at Taj Palaces/Taj Safaris/Tree of Life/Ginger/ama Stays & Trails).
• 1 voucher for One Night Stay incl. breakfast for two persons at Grand Palaces.
• 4 vouchers of Meal for Two persons at Signature/All-Day Dining restaurants.
• 4 vouchers of Sixty Minute Spa Treatment + sauna/steam access for one person.
• 25% Savings on Best Available Rates (room only & breakfast inclusive rates) year-round on direct bookings.
• Unlimited complimentary room upgrade to next category (up to 5 consecutive nights).
• 4 upgrade E-Vouchers to Taj Club rooms.
• Happy Hours (complimentary alcohol) 6-8pm daily for resident guest and partner.
• Also 25% discount on F&B, 25% on Qmin food deliveries and 25% on Spa at participating hotels.

Verified · HSBC Taj Credit Card – Vouchers & Benefits Terms and Conditions (Program/Rewards Terms) · 2026-08-03 · source

Travel benefit

• Chauffeur-driven luxury airport transfers via Blacklane (Domestic + International) through Aspire Global concierge: 4 complimentary airport transfers (domestic or international) per card per calendar year (once per card per calendar year), 1 Jan 2026 to 31 Dec 2026.
• Domestic limit 80 km (Mumbai, New Delhi, Bangalore, Chennai, Hyderabad), international limit USD 180.
• Airport transfer via Ecos Mobility (Domestic only): 4 complimentary domestic airport transfers per Offer Period, once per quarter.
• Personal travel insurance covering cardholders for up to ₹1 crore in the event of loss of life in an air accident, plus Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document and Delayed baggage covers.
• Business Class offer on MakeMyTrip: up to 12% instant discount (max ₹5,000) on domestic and up to 20% (max ₹20,000) on international Business Class bookings, 4 bookings per card per year.

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Insurance

• Personal travel insurance covering HSBC Taj Cardholders up to ₹1 crore in the event of loss of life in an air accident, plus travel-related covers (Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document, Delayed baggage).
• Lost card liability: nil after reporting.
• Also covered for misuse up to 24 hours before reporting and 7 days after reporting, for up to ₹10,00,000.

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Eligibility

• By invite only.
• Aged 25 to 75 years.
• Minimum income ₹40 lakhs/year (salaried) or ₹60 lakhs/year (self employed).
• Indian Resident.
• Serviceable cities: Delhi, Delhi-NCR, Chandigarh, Jaipur, Mumbai, Pune, Ahmedabad, Kolkata, Bengaluru, Chennai, Hyderabad, Kochi, Coimbatore.

Verified · HSBC Taj Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-03 · source