Fees
Annual feeINR 1,10,000 (annually)
Joining feeINR 1,10,000 (post-activation)
Renewal feeINR 1,10,000 (annually)
Fee waiverNo standard spend-based waiver
Spend waiverNo spend-based waiver (ultra-premium relationship card)
Interest rate3.49% per month (41.88% per annum (p.a.))
Late payment100% of Minimum Payment Due (MPD); min INR 250, max INR 1,200
Forex markup3.50% (standard); waived only for HSBC India Executive/top-tier banking relationship clients per MITC -- NOT a standard cardholder benefit)
Cash advance2.5% of amount, min INR 500
Eligibility
Min income (salaried)INR 3,33,333/month (INR 40 lakh/year - salaried)
Min income (self-emp.)INR 60 lakh/year (self-employed)
Credit score800 or above (CIBIL) (Excellent)
Age range25-75 years
Employment typeBoth
Resident typeIndian Resident; Non-Resident Indian (NRI) (with HSBC India account)
Rewards & cashback
Accelerated rateYes - 5X on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails
Cashback %NA - hotel co-branded rewards card
Redemption optionsBank Redemption (Taj Wallet); Flights & Hotels (Taj/IHCL)
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited domestic lounge access (Visa Infinite)
International loungeUnlimited international lounge access (Visa Infinite); 12 Chambers Lounge visits/year
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers25% off Best Available Rate at Taj/IHCL hotels; unlimited room upgrades
ConciergeYes - dedicated IHCL concierge (1800 202 5575); HSBC Taj care (1800 569 1111)
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes - 30% off (up to INR 1,500) via EazyDiner; 25% off F&B at IHCL; 4 set-meal vouchers/year
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo specific general e-commerce tie-up
AdditionalHSBC confirmed Accor (ALL Accor) partnership continues (May 2026 Bonus Points Festival announced). Standard 1:1 HSBC Reward → ALL transfer ratio maintained. No change to Accor as transfer partner unlike Axis Bank which removed Accor in April 2026.
Credit limit & EMI
Default limitINR 10 lakh+ (ultra-High Net-Worth Individual (HNI) profile)
Max limitINR 20 lakh+ (no fixed cap)
Cash withdrawal20% - 40% of credit limit
EMI conversionInstant; Post-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - up to INR 3,00,000 from 24 hrs before reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresSpend Alerts; Card Lock/Unlock; Statements; Equated Monthly Instalment (EMI); Taj Wallet Rewards; Autopay; Block Lost Card
Card controlsBlock/Unblock; Intl Toggle; Online Txn Toggle; Contactless Toggle; PIN Reset
Fraud protectionReal-time Alerts; Tokenization; OTP; CVV+Expiry+OTP; Instant Block; Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportNo