Card · points stay put
HSBC Taj: points stay put
It earns a brand's own coin rather than bank points. Nothing it earns can become an airline or hotel booking through a transfer.
Earns Taj InnerCircle, which is not in our transfer graph — no chart we hold prices a Taj redemption, so we would be guessing at what the points are worth.
What this means
The coins spend inside that brand's app or hotels, at the brand's own rate. They sit outside the bank-to-airline transfer network, so they cannot be moved to a frequent flyer programme.