Taj Credit Card
Rs 1,10,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited global airport lounge access, subject to programme terms
- Unlimited global airport lounge access, subject to programme terms
3.5%Forex markup
Best for
Taj, Hotels, Dining, Luxury, Lounge
Top rewards
Taj, SeleQtions, Gateway, Vivanta, And Amã Stays & Trails Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1.5 Reward Points / ₹100 spent
Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
Ultra Premium, Travel, Hotels, Golf, Lounge
Top rewards
Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
| Feature | Taj Credit Card | Reserve Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Rs 1,10,000 | Rs 50,000 |
| Annual fee | Rs 1,10,000 | Rs 50,000 |
| Fee waiver spend | - | Rs 35,00,000 |
| Reward type | Reward Points | EDGE Reward Points |
| Best for | Taj, Hotels, Dining, Luxury, Lounge | Ultra Premium, Travel, Hotels, Golf, Lounge |
| Top reward categories | Taj, SeleQtions, Gateway, Vivanta, And Amã Stays & Trails Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1.5 Reward Points / ₹100 spent | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 3.5% | 1.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Not Listed | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 0.2 per point |
| Key exclusions | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps |