Loading page
Loading card
HSBC Bank
Rs. 1,10,000 a year for Taj InnerCircle Platinum, three nights at Taj hotels and unlimited global lounge access
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to HSBC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from HSBC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromHotels
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Hotels — Taj, SeleQtions, Gateway and Vivanta. 1.5 Reward Points convert to Rs. 1 of card wallet balance., with no stated cap.
Biggest limitation
Rs. 1,10,000 a year, the highest fee in this catalogue by a wide margin, with no spend-based waiver published at any level.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5 pts
uncappedHotels
Taj, SeleQtions, Gateway and Vivanta. 1.5 Reward Points convert to Rs. 1 of card wallet balance.
1.5 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,10,000 | — |
| Annual / renewal fee | ₹1,10,000 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the transaction amount, subject to a minimum of Rs. 500 |
| Late payment | 100% of the Minimum Payment Due if it is unpaid within 3 days of the due date, subject to a minimum of Rs. 250 and a maximum of Rs. 1,200 per statement | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,10,000 a year
charged with no published way to avoid it
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
HSBC BankHSBC TravelOne Credit Card₹5,899
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079
Indian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime free
RBL BankRBL Bank SalarySe UP Credit Card₹589
YES BANKYES Bank Rio RuPay Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| HSBC Taj Credit Card · this card | ₹1,10,000 | 5% hotels | Included |
| HSBC TravelOne Credit Card | ₹5,899 | Up to 4 reward points per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,10,000 plus GST, with no published spend-based waiver.
The strongest published rate is 5% on hotels, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
HSBC Bank publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 1,10,000 as a joining fee, payable after the card is activated, and Rs. 1,10,000 again annually after twelve months. It is the most expensive card in our catalogue by a wide margin, and HSBC publishes no spend-based waiver at any level, so the fee is payable in full every year.
Only if you stay at Taj hotels. The welcome benefit alone is three nights — two breakfast-inclusive nights at Taj properties and one at a Taj Palace — and a Palaces night comes again with every renewal, which at Taj Palaces rack rates is a substantial share of the fee. Add InnerCircle Platinum tier, The Chambers twelve times a year and unlimited global lounge access and the arithmetic works for a frequent Taj guest. For anybody else the general earn rate of 1.5 points per Rs. 100 is nowhere near enough.
5 Reward Points per Rs. 100 at Taj, SeleQtions, Gateway and Vivanta hotels, and 1.5 Reward Points per Rs. 100 on standard purchases. Points convert at 1.5 to Rs. 1 of HSBC Taj Credit Card Wallet balance, which works out to about 3.3% back on IHCL stays and 1% elsewhere.
Applicants aged 25 to 75 with an annual income of at least Rs. 36 lakh if salaried or Rs. 45 lakh if self-employed. That is the highest income bar in this catalogue. The upper age limit of 75 is the most generous here, which suits a card aimed at established travellers.
Unlimited airport lounge access globally — no visit count at all, which no other card in this catalogue offers. On top of that it carries The Chambers Lounge up to twelve times a year for the cardholder and a guest, and Taj Club Lounge access another twelve times a year.
Twelve complimentary golf games and lessons a year, four domestic and four international chauffeur-driven airport transfers, 60-minute spa treatments up to four times a year with sauna and steam room access, and free swimming pool access for two up to twelve times a year.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
