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
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 ₹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 ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
| Feature | Taj Credit Card | 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 / ₹100 spent; Other Eligible Spends: 1.5 Reward Points / ₹100 spent | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹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 ₹ 0.5 per point; Statement credit: upto ₹ 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) |