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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
HSBC

HSBC Taj Credit Card

Best forTravel & Groceries
Earns5 RP/₹100 on travel — only at IHCL / Taj properties
1st Year / Joining Fee
₹1,10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel and groceries, where it earns 5 RP/₹100 (only at IHCL / Taj properties)

How you earn

Reward rates at a glance — exactly as recorded for this card.

TravelOnly at IHCL / Taj properties5 RP/₹100
Groceries1.5 RP/₹100
Dining1.5 RP/₹100
Food Delivery1.5 RP/₹100
Shopping1.5 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Rent. Excluded from reward earning. Instant EMI excluded.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Education. Excluded from reward earning. Instant EMI excluded.
InsuranceNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Insurance. Excluded from reward earning. Instant EMI excluded.
UtilitiesNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Utilities. Excluded from reward earning. Instant EMI excluded.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Fuel. Excluded from reward earning. Instant EMI excluded.
Groceries1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Groceries
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Groceries. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
Dining1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Dining
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Dining. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
Food Delivery1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Food Delivery
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Food Delivery. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
Shopping1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Shopping
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Shopping. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
Travel5 RP/₹100—Only at IHCL / Taj properties
Details
Status
Verified
Applies only at
IHCL / Taj properties
Source
SRC-HSBC-TAJ-PAGE
Issuer note
5 RP / ₹100 at participating IHCL/Taj properties; 1.5 RP / ₹100 standard travel. 1.5 RP = ₹1 Taj Wallet.
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Government. Excluded from reward earning. Instant EMI excluded.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Wallet. Excluded from reward earning. Instant EMI excluded.
Railways1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Railways
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Railways. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
FASTag1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on FASTag
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on FASTag. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.
JewelleryNo reward——
Details
Status
Verified — no reward
Issuer note
Official Taj MCC exclusion list applies to Jewellery. Excluded from reward earning. Instant EMI excluded.
Telecom1.5 RP/₹100—1.5 RP / ₹100 standard retail spend on Telecom
Details
Status
Verified
Source
SRC-HSBC-TAJ-PAGE
Issuer note
1.5 RP / ₹100 standard retail spend on Telecom. 1.5 RP = ₹1 Taj Wallet. IEMI excluded.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹1,10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
5 RP/₹100 on travel (only at IHCL / Taj properties)
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap

Important to know

Limits and exclusions that change what you earn.

  • Travel reward (5 RP/₹100) applies only at IHCL / Taj properties — not to all travel spends
  • No reward on: Rent, Education, Insurance, Utilities +4 more

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, groceries, dining
  • You regularly spend only at IHCL / Taj properties
△ Less useful if
  • Much of your spending is in rent, education, insurance, which earn nothing
  • Your spending is not only at IHCL / Taj properties
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 8 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — No reward.
  • Utilities — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
  • Jewellery — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to HSBC's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas

3 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
HSBC Taj product page; ₹1,10,000 fee, 5 RP/₹100 Taj, 1.5 RP/₹100 standard, Taj MCC exclusions · SRC-HSBC-TAJ-PAGE
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE
HSBC Taj Credit Card₹1,10,000 1st year