HSBC 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 / Rs 100 spent; Other eligible spends: 1.5 Reward Points / Rs 100 spent
Axis Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends
| Feature | HSBC Taj Credit Card | Axis Bank 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 / Rs 100 spent; Other eligible spends: 1.5 Reward Points / Rs 100 spent | Domestic spends: 15 EDGE REWARD Points / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 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 Rs 0.4 per point; Statement credit: upto Rs 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 |