{
  "id": "hsbc-hsbc-taj-credit-card",
  "locale": "en",
  "name": "HSBC Taj Credit Card",
  "bank": "HSBC",
  "cardType": "travel",
  "cardTier": "ultra-premium",
  "annualFee": "₹1,10,000 + GST",
  "loungeAccess": "Unlimited Domestic and International Airport Lounge visits for primary and guest cardholders",
  "rewardsRate": "Taj Epicure Preferred Membership · Complimentary luxury Taj hotel stays & dining vouchers · 1.5 Reward Points / ₹100 on retail",
  "bestFor": "Ultra-high-net-worth individuals, luxury travelers, Taj Hotels patrons, and high-end fine dining",
  "officialLink": "https://www.hsbc.bank.in/credit-cards/products/taj/",
  "aiVerdict": {
    "score": 3.4,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹110000) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hsbc-hsbc-taj-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HSBC India — HSBC Taj Credit Card official schedule of charges and MITC",
    "IHCL & Taj Hotels Partnership — Taj Epicure Preferred membership, stay vouchers & unlimited lounge terms"
  ],
  "feeWaiver": "No spend waiver threshold (Ultra-luxury annual fee)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹1,10,000 + GST"
    },
    {
      "key": "Welcome Luxury Gift",
      "value": "Complimentary Taj Palace stay vouchers + ₹50,000 Taj dining credits"
    },
    {
      "key": "Hospitality Tier",
      "value": "Taj Epicure Preferred Membership"
    },
    {
      "key": "Airport Lounges",
      "value": "Unlimited Domestic & International with Guest Access"
    },
    {
      "key": "Taj Wallet Rewards",
      "value": "1.5 Reward Points / ₹100 (1.5 pts = ₹1 Taj Credit)"
    },
    {
      "key": "Concierge",
      "value": "24x7 Dedicated Luxury Taj Concierge"
    }
  ],
  "earnRates": [
    {
      "category": "All Standard Domestic & Overseas Spends",
      "rate": "1.5 Points / ₹100 (1.0% Taj Credit)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,500 Points (₹1,000 Taj Credit)"
    },
    {
      "category": "Taj, SeleQtions & Vivanta Hotel Spends",
      "rate": "3.0 Points / ₹100 (2.0% Taj Credit)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (₹2,000 Taj Credit)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IHCL & Taj Properties",
      "multiplier": "2×",
      "rate": "3 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "All room stays, banquets, and dining at Taj, SeleQtions, and Vivanta hotels."
    },
    {
      "channel": "General Retail Purchases",
      "multiplier": "1×",
      "rate": "1.5 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "1.5 points per ₹100 on all standard domestic and overseas transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Taj Stays & Palaces (HSBC Taj Wallet)",
      "value": "1.5 Points = ₹1.00 Credit",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Taj Dining & Jiva Spa Treatments",
      "value": "1.5 Points = ₹1.00 Credit",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,10,000 + GST (Includes Palace Stay Vouchers + ₹50k Dining Credits)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,10,000 + GST (Includes Annual Renewal Taj Vouchers)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.30% per month (39.6% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹4,000 transactions",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Invitation & Wealth Criteria",
      "requirement": "By Invitation / Ultra-HNI clients with ₹1 Cr+ relationship or ₹50L+ annual income"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "25 to 65 years"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "780+ required"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}