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| Feature | HSBC India HSBC TravelOne Credit Card | SBI Card SBI Card MILES |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HSBC India | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹4,999 + GST per year | ₹1,499 + GST per year |
| Annual fee waiver | At ₹8,00,000 annual spending | At ₹6,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 2% · Foreign-currency rewards | 0.5% · Other eligible Travel Credits |
| Travel & hotels | 2% · Airline and travel-agency rewards | 1% · Travel Credits on travel |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 6 domestic airport lounge visits per year • 4 international airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3% |
| Monthly income requirement | Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed | Not listed |
| Terms verified | 21 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent flyers who want straightforward airline/hotel point transfers without tier-chasing. | Moderate travel spenders who want transferable rewards and expect to reach ₹5 lakh of eligible yearly spend. |
| Main trade-off | The ₹4,999 renewal fee is waived only above ₹8 lakh eligible anniversary-year spend. Many regulated categories earn no points, and partner-transfer value varies. | The displayed value assumes Travel Credits are transferred to eligible airline or hotel partners at ₹1 each. SBI travel bookings value them at ₹0.50 and catalogue redemptions at ₹0.25. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
