- Annual fee ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup 3.5%
- Domestic lounge 6/year
Pairwise comparison
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HSBC India TravelOne Visa vs SBI Card Miles Elite Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HSBC India TravelOne Visa and the SBI Card Miles Elite. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex SBI Card Miles Elite Lounge SBI Card Miles Elite
Quick comparison
Three core metrics- Annual fee ₹4,999 Waivable at ₹15,00,000 spend
- Forex markup 1.99%
- Domestic lounge 8/year
Reward earning explained
Per card4 pts / ₹100 on Travel Airlines Foreign (international) + 2 pts / ₹100 on Gener…
Limited data2 pts / ₹100 on General spend
Pick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs SBI Card Miles Elite: ₹4,999), forex markup (3.5% vs 1.99%), or lounge access (6/year vs 8/year).
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Travel Insufficient data Insufficient data to compare travel
Only SBI Card Miles Elite has comparable evidence here. Forex markup is 1.99%.
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Forex markup SBI Card Miles Elite wins SBI Card Miles Elite is better for forex
SBI Card Miles Elite is stronger here. Forex markup is 1.99%.
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Lounge access SBI Card Miles Elite wins SBI Card Miles Elite is better for lounge access
SBI Card Miles Elite is stronger here. Domestic lounge access is 8 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Only SBI Card Miles Elite has comparable evidence here. Estimated base reward value is ~1% on base spend.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI Miles Elite: ~₹1,000/month at base rate
- HSBC TravelOne: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | TravelOne Visa HSBC India | Miles 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 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Annual fee | ₹4,999 | ₹4,999 |
| Joining fee | ₹4,999 | ₹4,999 |
| Fee waiver spend ₹8,00,000 vs ₹15,00,000 | ₹8,00,000 | ₹15,00,000 |
| Interest-free period Only available for SBI Miles Elite | Not specified | Up to 50 days |
| Rewards | ||
| Points per ₹100 | 2 pts | 2 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI Miles Elite | Not specified | ₹1 |
| Point validity Only available for SBI Miles Elite | Not specified | 2 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.