HSBC Taj Credit Card: rewards, caps and exclusions
The HSBC Taj Credit Card pays about 3.33% on Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows, and 1% on everything else. Below is every rate, cap and exclusion in HSBC India's published terms, as we last checked them on 27 August 2026.
What it earns
≈ marks a rate paid in points, converted at ₹0.6667 a point: the lowest redemption value HSBC India documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Wallet loads
- Rent
- Education fees
- Government payments
- Insurance premiums
- Jewellery
- Cash withdrawals and fees
- Money transfers
- Utility bills
Fees
- Annual fee: ₹1,10,000, plus 18% GST
- Joining fee: ₹1,10,000
- Foreign-currency markup: 3.5%
Eligibility: ₹36,00,000 a year in income, aged 25–75.
Where this comes from
Transcribed from HSBC India's own documents and checked against them on 27 August 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HSBC India's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
Zenidhi reads your HSBC India statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works