HSBC Taj Credit Card: Features & Apply

Summary

Designed especially for people who appreciate luxury, travel, and distinctive experiences, the premium lifestyle credit card, HSBC Taj Credit Card, is designed under a partnership between HSBC Bank and the Taj Group of Hotels (IHCL). This card offers a wide range of benefits, enhancing daily living as well as travel experiences.

First of all, cardholders with a complimentary Taj Epicure Gold membership gain extra advantages at Taj Hotels, including food savings, lodging enhancements, and extra reward points. Every transaction made on this card also earns Taj Epicure points, which you may spend for meals, accommodation, and other purchases at Taj hotels all throughout India.

Moreover, the card allows you to use local airport lounges for free, therefore simplifying your travel. Furthermore, ensuring faster and safer transactions involves contactless payments. Apart from that, the card is accepted everywhere, so it is ideal for both domestic and foreign guests.

Introduction

Credit cards have evolved into a potent weapon for managing money, enjoying special rights, and accumulating rewards in modern society. Among the several choices on the market, the HSBC Taj Credit Card is one of the premium lifestyle credit cards. Designed particularly for those who appreciate travel, luxury, and outstanding experiences, this card provides the ideal mix of comfort, simplicity, and elegance. This card ideally fits you if you value exclusive access, enjoy dining, or travel frequently.

First off, most well-known for the Taj Group of Hotels, the HSBC Taj Credit Card is a co-branded credit card designed in association with HSBC Bank and Indian Hotels Company Limited (IHCL). This relationship guarantees that cardholders get custom incentives connected to Taj hotels in addition to global HSBC benefits. From dining incentives to free hotel stays, the card promises to improve your everyday experiences.

Moreover, this card is ideal for people who either want a lavish lifestyle or frequent Taj Hotels. Every purchase made with the HSBC Taj Credit Card earns Taj Epicure points, which can be later redeemed for hotel, dining, and other amenities at Taj locations. Your route and way of life will be much more fulfilling if you also value complimentary Taj InnerCircle Gold membership, airport lounge access, and exclusive dining offers.

Applying for the HSBC Taj Credit Card likewise comes quickly and easily. HSBC provides free documentation, a simple online application process, and speedy approvals. Simply check your eligibility, visit the official HSBC website, complete a form, and forward the required paperwork. Your card shows up at your house once approved. If you now deal with HSBC, the procedure moves significantly more quickly.

What is the HSBC Taj Credit Card?

Designed by HSBC Bank in alliance with the Taj Group of Hotels (IHCL), the Taj Credit Card is a unique kind of credit card. Mostly for those who enjoy first-hand hotel experiences, luxury travel, and fine eating, this card gives a range of incentives, including reward points, free room upgrades, meal discounts, and complimentary memberships, especially at Taj Hotels.

Every purchase you make with this card results in Taj Epicure points, which you may use at Taj hotels for food, lodging, and other services. Apart from that, the card allows you free access to airport lounges, enhancing your travel experience. With 0% responsibility for stolen cards and fraud prevention, it also covers lifestyle benefits and protection.

How is the design of the HSBC Taj Credit Card?

Like the benefits the HSBC Taj Credit Card offers, its elegant and premium look captures its character. The card first seems to have a sleek black background, which gives it a professional and sophisticated look. Apart from that, the card displays the Taj Hotels logo and the HSBC symbol, which, taken combine, exude grace and confidence.

Moreover,  suitable for those seeking a modern and professional image, with its simple but sophisticated design. Apart from a contactless badge showing it allows tap-and-pay options for faster and safer transactions, the card allows

What are the benefits of the HSBC Taj Credit Card?

Below are the major benefits of the HSBC Taj Credit Card, explained in simple words with transition points:

1. Complimentary Taj Epicure Membership (Gold Tier)

First and foremost, cardholders get a free Taj Epicure Gold membership, which is part of the Taj InnerCircle loyalty program. This gives you access to special discounts, room upgrades, and other exclusive services at Taj Hotels.

2. Taj Epicure Points on Every Spend

With every transaction you make using this card, you earn Taj Epicure points. These points can later be redeemed for hotel stays, fine dining, and other services at Taj properties. For example:

• Extra points on Taj bookings

• Points on regular shopping and travel

3. Exclusive Dining Privileges

The card offers special dining discounts at select Taj restaurants across India. Whether you enjoy gourmet meals or traditional Indian cuisine, you can save while dining in style.

4. Airport Lounge Access

You get complimentary airport lounge access at major domestic airports in India. This makes your travel more relaxing with access to comfortable seating, free snacks, and Wi-Fi.

5. Contactless and Safe Payments

The card supports contactless payments, which means you can simply tap and pay at enabled terminals. This is not only faster but also reduces physical contact, adding a layer of safety.

6. Global Acceptance

Since it’s an HSBC card, it is accepted internationally at millions of merchants. Whether you’re shopping in India or traveling abroad, you can use this card with ease.

7. Security and Protection

The HSBC Taj Credit Card comes with zero liability protection in case your card is lost or stolen. It also includes fraud detection features, giving you peace of mind.

What are the fees for the HSBC Taj Credit Card?

Here is a simple breakdown of the  HSBC Taj Credit Card fees.

Joining Fee	₹1,10,000 + GST
Annual Fee	₹1,10,000 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.75% per month (45 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HSBC Taj Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an HSBC Taj Credit Card?

The documents that you will have to submit to get the HSBC Taj Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HSBC Taj Credit Card be used?

Here is the list of places where you can use it:

• With the HSBC Taj Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  HSBC Taj Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The HSBC Taj Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HSBC Taj Credit Card?

The credit amount you can spend is what you are provided with when you have an HSBC Taj Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an HSBC Taj Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the HSBC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HSBC Bank; for instance, you can choose the HSBC Taj Credit Card.

• Simply hover your cursor over the HSBC Taj Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest HSBC Bank branch to apply for the HSBC Taj Credit Card.

• Request the credit card application form for the  HSBC Taj Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  HSBC Taj Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the HSBC Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HSBC Taj Credit Card in 2025 be the right choice?

Obtaining the HSBC Taj Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

HSBC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

Basically, the HSBC Taj Credit Card provides a portal to a luxurious and rich lifestyle unlike any other credit card. This card offers everything a luxury-seeking customer would want, along with an outstanding combination of world-class benefits from HSBC and exclusive rights from the Taj Group of Hotels. From reward points on daily expenses to complimentary Taj Epicure Gold membership, from free airport lounge access to dining savings, every feature of this card is painstakingly crafted to provide maximum value and convenience.

Moreover, this card will enable you to make your excursions, great meals, or choice of Taj Hotels even more unforgettable. Apart from getting valuable Taj Epicure points, you gain from several services that ease and thrill your way of life. Moreover more dependable and user-friendly this card is due to its contactless payment method, robust security, and global acceptance.

Apart from all these benefits, HSBC’s consistent service and easy application process support guarantee a hassle-free experience. Whether your use of the card is for travel, shopping, or hotel bookings, you will always feel elegance and simplicity.

Frequently Asked Questions (FAQ’s)