HSBC Taj Credit Card 2025

Get over ₹80,000+ value with Taj Epicure + lounges + lowest forex!

Card At a Glance

Complete Fees & Charges

Particulars	Details
Joining Fee	₹1,500 + GST
Annual Fee	₹1,500 + GST (waived on ₹4L spend)
Reward Points	3 RP per ₹100
Forex Markup	1.99% + GST
Taj Epicure Membership	Free every year
Welcome Gift	5,000 Bonus Points

Detailed Reward Rates (2025)

• 3 RP per ₹100 on all spends
• 5,000 welcome points on paying joining fee
• 1 RP = ₹1 on Taj vouchers, ₹0.50 on airmiles
• Free Taj Epicure Plus membership worth ₹15,000+
• Annual fee waiver on ₹4 Lakh spend

Airport Lounge Access

• 8 domestic lounge visits per year
• 4 international lounge visits per year (Priority Pass)
• Guest visits charged extra

Insurance & Protection Benefits

• ₹1 Crore air accident cover
• Complimentary Taj Epicure Plus (25% off dining + stay benefits)
• 24×7 concierge service
• Purchase protection up to ₹1 Lakh

Pros & Cons (Real User View)

Pros	Cons
Free Taj Epicure Plus	₹1,500 annual fee
12 lounge visits (Dom + Int'l)	Reward rate only 3%
1.99% forex	High spend for fee waiver
Best Taj benefits

Eligibility Criteria & Documents Required

• Age: 21–60 years
• Minimum Annual Income: ₹12 Lakh
• Credit Score: 750+ preferred
• Documents: PAN, Aadhaar, Salary Slip / ITR

How to Apply Online (3-Minute Process)

1. Visit HSBC India website
2. Select Taj Credit Card → Apply
3. Fill income details
4. Video KYC + document upload
5. Card + Epicure membership in 10 days

Final Verdict – Should You Get It in 2025?

Best Taj + travel combo card! Free Epicure Plus + 12 lounges + 1.99% forex = ₹80K+ value/year. Must-have if you stay at Taj or travel abroad!

Frequently Asked Questions (FAQs)