HSBC India · Super-premium
HSBC Taj Credit Card
Where it ranks across all 187 cards
#10 Hotels
3.3%
at Taj / IHCL hotels
direct
#12 EMI
1.0%
direct
#32 Gaming
1.0%
direct
#33 Mobile / broadband
1.0%
direct
#37 Train tickets
1.0%
direct
#41 Other
1.0%
direct
#45 Cabs & transit
1.0%
direct
#45 Health & pharmacy
1.0%
direct
#50 Electronics
1.0%
direct
#58 Flights
1.0%
direct
#62 Groceries
1.0%
direct
#62 Fashion
1.0%
direct
#63 Online shopping
1.0%
direct
#63 Dining out
1.0%
direct
#64 Food delivery
1.0%
direct
#64 Movies & events
1.0%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.6667/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1.5 pts / ₹100
source
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
5 pts / Rs 100 at Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows
3.33%this rule
5 pts / ₹100
source
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on10 exclusions
Fuel
earns nothing
No reward points on fuel-related spends.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5541, 5983, 5172, 5542, 5552
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Wallet load
earns nothing
No reward points on e-wallet loads.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Rent
earns nothing
No reward points on rent or similar payments.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Education, Government / tax
earns nothing
No reward points on education and government-related transactions, including tax payments.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Education, Government / tax · MCCs: 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9223, 9402, 9211, 9405
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Insurance
earns nothing
No reward points on insurance payments.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 5960
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Jewellery & watches
earns nothing
No reward points on jewelry and antique items.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5944, 5094
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Automated cash disbursement (ATM), Manual cash disbursement +2 more
earns nothing
No reward points on cash withdrawals, credit repayments, currency exchange (quasi-cash), liquid and cryptocurrency assets.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6011, 6010, 6012, 6051
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Utility bills
earns nothing
No reward points on utilities - electric, gas, water and sanitary payments.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900
Source: HSBC Taj Credit Card - hsbc.co.in - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.