Which card has the lower annual fee?

Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak League Platinum 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.

Side-by-side · honest numbers

HSBC TravelOne Credit Card vs Kotak League Platinum vs SBI Card MILES

Honest side-by-side comparison of HSBC TravelOne Credit Card, Kotak League Platinum, 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, SBI Card MILES ranks first for estimated net annual value — ahead of Kotak League Platinum by about ₹2,700/yr.

HSBC TravelOne Credit Card vs Kotak League Platinum vs SBI Card MILES comparison table
Feature	HSBC TravelOne Credit Card HSBC	Kotak League Platinum Kotak Mahindra Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹4,999	Lifetime free	₹1,499
Fee waiver threshold	₹12,00,000/yr	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹75,000/mo	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹590/yr	₹3,290/yr
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	3X points	2 RP/₹150	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak League Platinum 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.

Card 1

HSBC TravelOne Credit Card

HSBC

Card 2

Kotak League Platinum

Kotak Mahindra Bank

Card 3

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank	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	₹4,999	Lifetime free	₹1,499
Fee waiver threshold	₹12,00,000/yr	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹75,000/mo	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹590/yr	₹3,290/yr
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	3X points	2 RP/₹150	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

HSBC TravelOne Credit Card details →Kotak League Platinum details →SBI Card MILES details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC TravelOne Credit Card comparisons