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?

SBI Card MILES leads with an estimated ₹3,290/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.

Side-by-side · honest numbers

HSBC TravelOne Credit Card vs SBI Card MILES

Honest side-by-side comparison of 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, SBI Card MILES leads HSBC TravelOne Credit Card by about ₹7,839/yr in estimated net value.

HSBC TravelOne Credit Card vs SBI Card MILES comparison table
Feature	HSBC TravelOne Credit Card HSBC	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹4,999	₹1,499
Fee waiver threshold	₹12,00,000/yr	Waived at ₹3,00,000/yr spend
Min income	₹75,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/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	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹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?: SBI Card MILES leads with an estimated ₹3,290/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.

Card 1

HSBC TravelOne Credit Card

HSBC

Card 2

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	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	₹1,499
Fee waiver threshold	₹12,00,000/yr	Waived at ₹3,00,000/yr spend
Min income	₹75,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/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	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹2,000

HSBC TravelOne Credit Card details →SBI Card MILES details →

Share this comparison

https://cardhungry.com/in/en/compare/hsbc-travelone-vs-sbi-card-miles

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC TravelOne Credit Card comparisons