Which card has a lower forex fee: HSBC TravelOne Credit Card or SBI Card Miles Prime?

SBI Card Miles Prime has lower forex markup (2.5% vs 3.5%).

Which card has a lower annual fee: HSBC TravelOne Credit Card or SBI Card Miles Prime?

Both cards have the same annual fee (₹4,999).

Which card offers better lounge access?

HSBC TravelOne Credit Card: 6 per year domestic lounge. SBI Card Miles Prime: 8 domestic + 4 international lounge visits/year.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HSBC India TravelOne Visa vs SBI Card Miles Prime Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HSBC India TravelOne Visa and the SBI Card Miles Prime. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex SBI Card Miles Prime Lounge SBI Card Miles Prime

Quick comparison

Three core metrics

TravelOne Visa HSBC India

Annual fee ₹4,999 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 6/year

Miles Prime SBI Card

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 2.5%
Domestic lounge 8/year

Reward earning explained

Per card

TravelOne Visa

4 pts / ₹100 on Travel Airlines Foreign (international) + 2 pts / ₹100 on Gener…

Limited data

Miles Prime

2 pts / ₹100 on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs SBI Card Miles Prime: ₹4,999), forex markup (3.5% vs 2.5%), or lounge access (6/year vs 8/year).

Forex markup SBI Card Miles Prime wins

SBI Card Miles Prime is better for forex

SBI Card Miles Prime is stronger here. SBI Card Miles Prime has a lower forex markup (2.5% vs 3.5%).
Lounge access SBI Card Miles Prime wins

SBI Card Miles Prime is better for lounge access

SBI Card Miles Prime is stronger here. Domestic lounge access is 8 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Only SBI Card Miles Prime has comparable evidence here. Estimated base reward value is ~1% on base spend.

TravelOne Visa: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI Miles Prime: ~₹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 Prime SBI Card
Lounge Access
Domestic lounge visits 6/year vs 8/year	6/year	8/year
International lounge visits	4/year	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 2.5%	3.5%	2.5%
Fees
Annual fee	₹4,999	₹4,999
Joining fee ₹4,999 vs ₹2,999	₹4,999	₹2,999
Fee waiver spend ₹8,00,000 vs ₹10,00,000	₹8,00,000	₹10,00,000
Interest-free period Only available for SBI Miles Prime	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 Prime	Not specified	₹1
Point validity Only available for SBI Miles Prime	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.