Side-by-side · honest numbers
American Express Platinum Travel Card vs Bajaj Finserv RBL Bank SuperCard vs HSBC TravelOne Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, Bajaj Finserv RBL Bank SuperCard, HSBC TravelOne Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of Bajaj Finserv RBL Bank SuperCard by about ₹6,729/yr.
| Feature | American Express Platinum Travel Card American Express | Bajaj Finserv RBL Bank SuperCard RBL Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹999 | ₹4,999 |
| Fee waiver threshold | No waiver published | No waiver published | ₹12,00,000/yr |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹739/yr | -₹4,549/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 2X points/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI interest · Cash advance | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Bajaj Finserv RBL Bank SuperCard has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- American Express Platinum Travel Card leads with an estimated ₹5,990/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv RBL Bank SuperCard lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Platinum Travel Card
American Express
Bajaj Finserv RBL Bank SuperCard
RBL Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card American Express | RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹999 | ₹4,999 |
| Fee waiver threshold | No waiver published | No waiver published | ₹12,00,000/yr |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹739/yr | -₹4,549/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 2X points/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI interest · Cash advance | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
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