Side-by-side · honest numbers
American Express Platinum Travel Card vs HSBC TravelOne Credit Card vs SBI Card ELITE
Honest side-by-side comparison of American Express Platinum Travel Card, HSBC TravelOne Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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American Express Platinum Travel Card
American Express
HSBC TravelOne Credit Card
HSBC
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | American Express Platinum Travel Card American Express | HSBC TravelOne Credit Card HSBC | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹4,999 | ₹4,999 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | ₹10,00,000/yr |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹5,120/yr | -₹5,239/yr | -₹3,818/yr |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 4 points/₹100 | 5X reward 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 | 6 domestic + 4 international airport lounge visits per year · No minimum spend required for lounge access | 6 domestic + 2 international airport lounge visits per year · 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 · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | ₹5,000 |
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https://cardhungry.com/in/en/compare/amex-platinum-travel-vs-hsbc-travelone-vs-sbi-eliteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card ELITE ranks first for estimated net annual value — ahead of American Express Platinum Travel Card by about ₹1,302/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | American Express Platinum Travel Card American Express | HSBC TravelOne Credit Card HSBC | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹4,999 | ₹4,999 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | ₹10,00,000/yr |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹5,120/yr | -₹5,239/yr | -₹3,818/yr |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 4 points/₹100 | 5X reward 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 | 6 domestic + 4 international airport lounge visits per year · No minimum spend required for lounge access | 6 domestic + 2 international airport lounge visits per year · 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 · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | ₹5,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC TravelOne Credit Card has the lowest annual fee at ₹4,999.
- Which card earns more on moderate spend?
- SBI Card ELITE leads with an estimated -₹3,818/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express Platinum Travel Card lists a minimum monthly income of ₹60,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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