Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs HSBC TravelOne Credit Card vs SBI Card MILES
Honest side-by-side comparison of Axis Bank Magnus Credit Card, HSBC TravelOne Credit Card, SBI Card MILES — 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, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹13,962/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | HSBC TravelOne Credit Card HSBC | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹4,999 | ₹1,499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹4,549/yr | ₹3,290/yr |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 3X points | 6X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card MILES has the lowest annual fee at ₹1,499.
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card MILES lists a minimum monthly income of ₹35,000.
- 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.
Axis Bank Magnus Credit Card
Axis Bank
HSBC TravelOne Credit Card
HSBC
SBI Card MILES
SBI Card
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis 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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹4,999 | ₹1,499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹4,549/yr | ₹3,290/yr |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 3X points | 6X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/axis-magnus-vs-hsbc-travelone-vs-sbi-card-milesMore Axis Bank Magnus Credit Card comparisons
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