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
IndusInd Bank Indulge Credit Card
Rs 10,000Annual fee
24Domestic lounge
Domestic lounge conditions
- 6 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of Rs 5,00,000 in the previous quarter to unlock access)
- 4 complimentary international lounge visits per calendar quarter via Priority Pass
1.8%Forex markup
Best for
travel, lounge, golf, luxury
Top rewards
Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
| Feature | HSBC Taj Credit Card | IndusInd Bank Indulge Credit Card |
|---|---|---|
| Issuer | HSBC Bank | IndusInd Bank |
| Network | Visa | Visa Infinite |
| Joining fee | Rs 1,10,000 | Rs 75,000 |
| Annual fee | Rs 1,10,000 | Rs 10,000 |
| Reward type | reward points | reward points |
| Best for | taj, hotels, dining, luxury, lounge | travel, lounge, golf, luxury |
| 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 | Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 24 |
| International lounge | Unlimited | 16 |
| Forex markup | 3.5% | 1.8% |
| Milestone benefits | Not listed | Luxury welcome benefits at fee payment, High-touch concierge and premium travel programme |
| Redemption | Not listed | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point |
| Key exclusions | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |