SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for taj, hotels, and dining.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on taj, seleqtions, gateway, vivanta, and amã stays & trails spends.
Where value may drop
Fuel, rent, and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Hotel bookings | Rs 4,000 | 2,400 |
| Other spends | Rs 8,000 | 1,440 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Taj, SeleQtions, Gateway, Vivanta, And Amã Stays & Trails Spends
5 Reward Points / Rs 100 spent
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Taj, SeleQtions, Gateway, Vivanta, and amã Stays & Trails spends | 5 Reward Points / Rs 100 spent |
| Other eligible spends | 1.5 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited global airport lounge access, subject to programme terms
- Unlimited global airport lounge access, subject to programme terms
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- Wallet loading transactions
- Educational spends
- Government-related transactions
- Insurance premium payments
- Utility bill payments
- EMI transactions
- Cash advances
- Card fees, charges, and interest
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Unlimited room upgrades to the next level at participating IHCL hotels
- 25% savings on best available rate at Taj and other participating IHCL hotels
- Four vouchers for set meals for two at participating restaurants
- 25% savings on food and beverages and Qmin deliveries
- Up to 4 spa treatment benefits per year
- Swimming pool access for 2 up to 12 times per year
- The Chambers Lounge access up to 12 times per year for cardholder and guest
- Taj Club Lounge access up to 12 times per year
- Unlimited global airport lounge access, subject to programme terms
- 4 domestic and 4 international chauffeur-driven airport transfers per year
- 12 complimentary golf games and lessons per year
Additional details
- Reward points never expire
- Redemptions can be processed only via the HSBC India Mobile Banking app
Eligibility
Check this before you apply.
Salaried
- Age 25 to 75 years
- Resident of India or existing HSBC India bank account holder for NRI
- Minimum annual income of Rs 40,00,000
Self-employed
- Age 25 to 75 years
- Resident of India or existing HSBC India bank account holder for NRI
- Minimum annual income of Rs 60,00,000
Compare before you decide
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Axis Bank Reserve Credit Card
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