HSBC Taj Credit Card
Hotel wallet points: 1.5/₹100 standard spend, 5/₹100 at participating Taj and IHCL hotels.
Try your spend →How this estimate works
HSBC Taj earns 1.5 points per ₹100 eligible standard purchase and 5 points per ₹100 at participating Taj, SeleQtions, Gateway, Vivanta and amã Stays & Trails. The issuer converts 1.5 points into ₹1 in the Taj Experience Gift Card wallet, redeemable only for participating hotel stays, food, drinks or spa, not statement cash. The calculator assumes one eligible purchase of the entered amount monthly and counts a separate Taj/IHCL chip for hotel spend. It deducts the unusually large ₹1,10,000 first-year joining fee plus estimated GST; the annual renewal applies from year two, not in addition to the first-year joining fee. The card is available by invitation. Exclusive stays, hotel credits, lounges, discounts and other bundled privileges can be material but are not priced here, so this points-only net return is not a fair estimate of the entire card value. Points expire after one year under the issuer service guide. Check actual wallet balance, booking prices, property participation and program terms before applying.
Issuer terms
Issuer card and fee · Reward earn and value · Reward service guide · Fee and eligibility terms
Terms checked 29 September 2026. Available by invitation. Hotel benefits beyond points are not included in the net estimate.