Shortlist 2–4 cards
Side-by-side comparison of the HSBC India TravelOne Visa and the SBI Card ELITE. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | TravelOne Visa | ELITE |
|---|---|---|
| Annual fee | ₹4,999 Waivable at ₹8,00,000 spend | ₹4,999 Waivable at ₹10,00,000 spend |
| Forex fee | 0% | 1.99% |
| Domestic lounge | 6/year | 8/year |
Fees: Tie
Confidence: High
Forex: TravelOne Visa wins
Confidence: Medium (verify with issuer)
Lounge: ELITE wins
Confidence: Medium (verify with issuer)
Confidence varies by card — verify issuer terms
Start with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs SBI Card ELITE: ₹4,999), forex markup (0% vs 1.99%), or lounge access (6/year vs 8/year).
Explore: HSBC India TravelOne Visa card page · SBI Card ELITE card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| TravelOne Visa HSBC India | ELITE SBI Card | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 6/year vs 8/year | 6/year | 8/year |
| International lounge visits 4/year vs 6/year | 4/year | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 1.99% | 0% | 1.99% |
| Fees | ||
| Annual fee | ₹4,999 | ₹4,999 |
| Joining fee | ₹4,999 | ₹4,999 |
| Fee waiver spend ₹8,00,000 vs ₹10,00,000 | ₹8,00,000 | ₹10,00,000 |
| Rewards | ||
| Points per ₹100 | 2 pts | 2 pts |
| Point cash value ₹0.35 vs ₹0.25 | ₹0.35 | ₹0.25 |