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HSBC TravelOne vs SBI ELITE – Full comparison

Both cards verified with issuer

HSBC TravelOne source SBI ELITE source

Forex costs are a key difference

Key differences

Best forex HSBC TravelOne 0%

Spend context

At ₹50k/month spend:

  • HSBC TravelOne: ~₹350/month at base rate
  • SBI ELITE: Base earn not clearly specified

Approximate, based on base rates (before caps).

HSBC TravelOne HSBC SBI ELITE SBI
Lounge Access
Domestic lounge visits
No difference
6/year 6/year
International lounge visits
Only available for HSBC TravelOne
6/year Varies by variant
Forex / International Use
Forex markup
Source agreement differs — verify both.
0% vs 1.99%
0% 1.99%
Fees
Annual fee
No difference
₹4,999 ₹4,999
Joining fee
No difference
₹4,999 ₹4,999
Fee waiver spend
₹4,00,000 vs ₹6,00,000
₹4,00,000 ₹6,00,000
Rewards
Points per ₹100
No difference
2 pts 2 pts
Point cash value
Only available for HSBC TravelOne
₹0.35 Check issuer

Notes

  • Some data has low confidence — verify with the issuer before relying on it.
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.