HSBC Taj
HSBC India · Checked 2026-10-09
HSBC Taj is a premium card built around travel benefits, dining rewards and reward points, with a ₹110,000 annual fee before GST.
CardIQ editorial view
Our take
HSBC Taj is a premium card built around travel benefits, dining rewards and reward points, with a ₹110,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 points per ₹100 at participating IHCL hotels; 1.5 on eligible standard purchases.
Trade-offs to understand
- 1.5 points = ₹1 in the HSBC Taj wallet for eligible hotel stays, dining and spa redemptions.
- Fuel, rent, utilities, insurance, education, government and other excluded categories earn no points.
- The ₹110,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 1.5 points = ₹1 in the HSBC Taj wallet for eligible hotel stays, dining and spa redemptions.
Compare before deciding
- IDFC FIRST Private — A lower-fee way to compare similar strengths in reward points and travel benefits.
- Times Black ICICI Bank — A lower-fee way to compare similar strengths in reward points and travel benefits.
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Benefits, limits and conditions
- 1.5 points = ₹1 in the HSBC Taj wallet for eligible hotel stays, dining and spa redemptions.
- Fuel, rent, utilities, insurance, education, government and other excluded categories earn no points.