By Ankur Mittal
Updated On November 10, 2021

Taj InnerCircle is a hotel loyalty program by the Indian Hospitality brand Taj Hotels. Under the InnerCircle program, you accumulate loyalty points on your InnerCircle account for spends at Taj (and partner) hotels, restaurants and spas. The InnerCircle Points earned can also be redeemed at Taj and partner hotels, restaurants and spas.

Apart from this, Taj has partnered with many credit card issuers so that the reward points earned on their credit cards can be transferred to the Taj InnerCircle loyalty program. In India, Taj has partnered with Citibank and HSBC Bank for reward points redemption. There are also a few other credit cards from other card issuers like ICICI Bank Diamant Credit Card and AmEx Platinum Credit Card that offer a complimentary Taj Epicure Membership. We have curated some of the most rewarding credit cards in terms of reward points benefits or complimentary membership from Taj Hotels.

Citi Prestige Credit Card:

Citi Prestige Credit Card

Welcome Benefits

2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.

Rewards Rate

1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.

Joining Fees

Rs. 20,000 (plus applicable taxes)

The Prestige Credit Card by Citibank is a super-premium credit card. The membership fee of this card is Rs. 20,000 per annum and it comes with a plethora of benefits and privileges (travel benefits in particular) including complimentary gift vouchers from premium hotel chains like Taj Hotels and ITC Hotels, a complimentary extra night stay at hotels worldwide, unlimited complimentary domestic and international airport lounge access with Priority Pass membership, fast track priority immigration at select airports and a high conversion rate of Reward Points into AirMiles.

As far as Reward Points are concerned, you earn 2 Reward Points per Rs. 100 on international spends and 1 Reward Point per Rs. 100 on domestic spends. The Reward Points earned on Citi Prestige Credit Card can be transferred to Taj InnerCircle loyalty program. 1 Reward Point = 1 Taj InnerCircle Point. Now, considering the Reward Points earning rate of the Citi Prestige Credit Card on international spends, the effective reward rate of the Citi Prestige Credit Card comes out to be 2%. You must have a minimum of 250 Reward Points on your Citi Prestige Credit Card before they can be transferred to the Taj InnerCircle loyalty program.

Reward Points Earning Rate 2 Reward Points per Rs. 100 on international spends and 1 Reward Point per Rs 100 on domestic spends
Points Conversion  1 Reward Point = 1 Taj InnerCircle Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Taj InnerCircle Points) 2% (considering the Reward Points earning rate on international spends)

 

Citi PremierMiles Credit Card:

Citibank PremierMiles Credit Card

Welcome Benefits

10,000 Miles on the spends of Rs. 1,000 or more in the first 2 months of card issuance.

Rewards Rate

10 Miles/Rs. 100 spent for airline transactions and 4 Miles/Rs. 100 spent for all other transactions.

Joining Fees

Rs. 3,000 (plus applicable taxes)

Citi PremierMiles Credit Card is one of the best travel cards in the Indian market. It is a mid-level credit card and comes with a membership fee of Rs. 3,000 (plus GST) per annum. You earn Miles as rewards on Citi PremierMiles Credit Card. The Miles earned on Citi Premier Miles Credit Card are transferable to your Taj InnerCircle account. 2 Citibank Miles = 1 Taj InnerCircle Point (conversion ratio of 2:1).

PremierMIles Credit Card earns you 10 Miles per Rs. 100 spent on Airline transactions and 4 Miles per Rs. 100 spent on all other transactions. Considering the Miles earning rate on normal transactions and Miles conversion ratio of 2:1, the effective reward rate on Citibank Premier Credit Card is 2%, i.e. you effectively get 1 Taj InnerCircle Point for every Rs. 100 spent using the Citi PremierMiles Credit Card. You must have a minimum of 100 Miles on your Citi PremierMiles Credit Card before they can be converted into Taj InnerCircle Points.

Reward Points Earning Rate 10 Miles per Rs. 100 on airline spends and 4 Miles per Rs 100 on all other spends
Points Conversion  2 Miles = 1 Taj InnerCircle Point (2:1 conversion ratio)
Effective Reward Rate (for redemption against Taj InnerCircle Points) 2% (considering the Miles earning rate on normal spends)

 

HSBC Premier MasterCard Credit Card:

HSBC Premier MasterCard Credit Card

Welcome Benefits

Complimentary Epicure membership and one night stay at Taj hotels.

Rewards Rate

2 Reward Points for every Rs. 100 spent using the card.

Joining Fees

Nil

HSBC Premier MasterCard Credit Card is a premium credit card by HSBC bank exclusively offered for those HSBC customers who maintain Premier relationship with HSBC in India. The card comes with a plethora of benefits and privileges including complimentary (limited) domestic and international airport lounge access, complimentary rounds of golf at some of the premium golf destinations in the country, travel-related insurance benefits, etc. HSBC Premier Credit Card is complimentary for HSBC Premier customers.

You earn 2 Reward Points for every Rs. 100 spent with HSBC Premier MasterCard Credit Card which are transferable to Taj InnerCircle loyalty program. 1,000 Reward Points = 1,000 Taj InnerCircle Points (conversion ratio of 1:1). Thus, the effective reward rate of HSBC Premier MasterCard Credit Card for redemption against HSBC Premier MasterCard Credit Card is 2%.

Reward Points Earning Rate 2 Reward Points per Rs. 100 spent with the card
Points Conversion  1,000 Reward Points = 1,000 Taj InnerCircle Points (1:1 conversion ratio)
Effective Reward Rate (for redemption against Taj InnerCircle Points) 2% (for redemption against Taj InnerCircle Points)

 

HSBC Visa Platinum Credit Card:

HSBC Visa Platinum Credit Card

Welcome Benefits

Amazon Voucher worth Rs. 500, 3 complimentary lounge access/3 meal vouchers, 50% discount (up to Rs.100) on the first transaction on google pay, and 10% cashback (upto Rs. 2,000).

Rewards Rate

Earn 2 reward points on every Rs. 150 spent on this card.

Joining Fees

Nil

HSBC Visa Platinum Credit Card is one of the entry-level credit cards by HSBC Bank. You earn 2 Reward Points for every Rs. 150 spent with the card (Reward Points earning rate of 1.33%). The Reward Points earned on HSBC Visa Platinum Credit Card can be redeemed for Taj InnerCircle Points. For redemption against Taj InnerCircle Points, 1,000 Reward Points = 1,000 Taj InnerCircle Points (1:1 conversion ratio). Therefore, the effective reward rate of HSBC Visa Platinum Credit Card, on redemption of Reward Points for Taj InnerCircle Points comes out to be 1.33%.

 

Reward Points Earning Rate 2 Reward Points per Rs. 150 spent with the card
Points Conversion  1,000 Reward Points = 1,000 Taj InnerCircle Points (1:1 conversion ratio)
Effective Reward Rate (for redemption against Taj InnerCircle Points) 1.33% (for redemption against Taj InnerCircle Points)

 

ICICI Bank Diamant Credit Card:

ICICI Bank Diamant Credit Card is a super-premium credit by the bank. The card comes with a hefty joining fee of Rs. 1,25,000, while an annual membership fee of Rs. 10,000 is payable second year onwards. Being a premium credit card, it comes with a plethora of benefits and privileges including a complimentary Macbook Air as a welcome gift.

ICICI Diamant Credit Card, although does not allow conversion of Reward Points into Taj InnerCircle Points, you do get a complimentary Taj Epicure Plus and Taj InnerCircle Gold Tier membership with the card which entitle you to hospitality and dining benefits including a 25% discount on dining bills at participating restaurants, happy hours at participating restaurants any evening throughout the week, complimentary room upgrades, preferential room rates, etc.

American Express Platinum Credit Card:

American Express Platinum Card

Welcome Benefits

1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.

Joining Fees

Rs. 60,000 (plus applicable taxes)

The Platinum Credit Card is a super-premium offering by American Express. It comes with a membership fee of Rs. 60,000 per annum, which is one of the highest in India. It is a Charge Card–  a name given by American Express to the cards that it issues without a pre-decided credit limit. The credit limit of these Charge Cards varies according to the financial behavior of the cardholder.

As AmEx Platinum Card is a super premium credit card, it offers a plethora of best in class privileges including unlimited complimentary domestic and international airport lounge access, travel-related insurance benefits, discounts at premium hotel chains like Taj, SeleQtions, Vivanta, etc., 24×7 global concierge service and many other premium benefits. Just as ICICI Diamant Credit Card, although the Membership Rewards Points earned on the American Express Platinum Credit Card (or any American Express Credit Card for that matter) can not be converted into Taj InnerCircle Points, you do get a complimentary Taj Epicure membership with AmEx Platinum Credit Card.

For a quick reference, we have summarised the Reward Points earning rate, conversion rate and effective reward rate (for redemption against Taj InnerCircle Points) of the aforementioned credit cards in the table below-

 

Credit Cards Reward Points Earning Rate Points Conversion Effective Reward Rate (for redemption against Taj InnerCircle Points)
Citi Prestige Credit Card 2 Reward Points per Rs. 100 on international spends and 1 Reward Point per Rs 100 on domestic spends 1 Reward Point = 1 Taj InnerCircle Point (1:1 conversion ratio) 2% (considering the Reward Points earning rate on international spends)
Citi PremierMiles Credit Card 10 Miles per Rs. 100 on airline spends and 4 Miles per Rs 100 on all other spends 2 Miles = 1 Taj InnerCircle Point (2:1 conversion ratio) 2% (considering the Miles earning rate on normal spends)
HSBC Premier MasterCard Credit Card 2 Reward Points per Rs. 100 spent with the card 1,000 Reward Points = 1,000 Taj InnerCircle Points (1:1 conversion ratio) 2% (for redemption against Taj InnerCircle Points)
HSBC Visa Platinum Credit Card 2 Reward Points per Rs. 150 spent with the card 1,000 Reward Points = 1,000 Taj InnerCircle Points (1:1 conversion ratio) 1.33% (for redemption against Taj InnerCircle Points)

Bottom Line:

Taj InnerCircle is one of the best-suited frequent guest loyalty programs for Indian frequent travelers who don’t want to compromise with their comfort and luxury while they are outstation. Taj InnerCircle Points can be redeemed for travel-related expenses at Taj and partner hotels, restaurants and spas. If you’re a frequent traveler and looking for a credit card that can help reduce your spends, the aforementioned credit cards by Citibank and HSBC Banks are certainly worth looking at. Most of these cards offer a decent reward rate of 2% in terms of conversion of Reward Points into Taj InnerCircle Points, i.e. you get 2 Taj InnerCircle Points for every Rs. 100 spent with most of these credit cards (1.33 in case of HSBC Visa Platinum Credit Card).

FAQs:

Taj InnerCircle is a hotel loyalty program by Taj Hotels, which is one of the most premium hotel brands in India. Taj InnerCircle Points can be redeemed at Taj (and partner) hotels, restaurants and spas.

Citibank and HSBC Bank allow conversion of Reward Points earned on their credit cards into Taj InnerCircle Points.

Taj InnerCircle Points can be redeemed for various types of spends at Taj (and partner) hotels, restaurants, resorts and spas.

No, Reward Points earned only two of Citibank credit cards- Citi Prestige Credit Card and Citi Premier Miles can be converted into Taj InnerCircle Points.

The Rewards Points to Taj InnerCircle Points conversion ratio for HSBC Bank Credit Cards is 1:1 (1,000 Reward Points = 1,000 Taj InnerCircle Points).

The Reward Points to Taj InnerCircle Points conversion ratio for Citi Prestige Credit Card is 1:1 (1 Reward Point = 1 Taj InnerCircle Point) and for Citi PrmierMiles Credit Card is 2:1 (2 Reward Points = 1 Taj InnerCircle Point).

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