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Comparison · हिन्दी

HSBC TravelOne vs SBI Miles Prime

Both cards compared on real rupee returns for best mid-tier travel miles credit card India HSBC vs SBI. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
HSBC INDIA
TRAVELONE
ASHOK KUMAR
VS
SBI
CARD MILES PRI
ASHOK KUMAR
Our verdict
HSBC TravelOne Credit Card wins for most people
HSBC TravelOne delivers ₹5,380 more annual value despite its higher fee, thanks to superior reward rates on travel and dining spend that align perfectly with this profile.
Side-by-side comparison
HSBC TravelOne Credit Card ✓ SBI Card MILES PRIME
Annual benefit ₹4,841 -₹539
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹4,999 + taxes (waived on ₹8,00,000/year spend) ₹2,999 + taxes (waived on ₹10,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partners 4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2.5%
Best for Frequent international travellers wanting flexible airmiles across 20 airline and hotel partners Airline-agnostic travel card with 25 transfer partners including Air India, Flying Blue and Aeroplan
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year ₹50,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HSBC TravelOne Credit Card
HSBC TravelOne wins for frequent travelers who can cross ₹8 lakh annual spend to waive the fee, maximizing 4% returns on ₹15,000 monthly travel expenses.
SBI Card MILES PRIME
SBI Miles Prime suits cost-conscious cardholders prioritizing low fees, though its 0.5% cashback on non-travel categories underperforms against HSBC's 2% on this spend mix.
Who should get which card
Get HSBC TravelOne if you…
· Travel-focused spenders maximizing ₹15,000/month travel category rewards
· Access to 20 airline and hotel partners with instant 1:1 transfer
· Higher overall annual benefit of ₹4,841 despite ₹4,999 fee
Get SBI Card MILES PRIME if you…
· Budget-conscious users wanting lower annual fee of ₹2,999
· Preference for 25 airline and hotel partners including Aeroplan
· Lower fee waiver threshold of ₹10 lakh annual spend
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HSBC TravelOne Credit Card offers better annual returns for most spend profiles.
HSBC TravelOne Credit Card has an annual fee of ₹4,999 + taxes (waived on ₹8,00,000/year spend). SBI Card MILES PRIME has an annual fee of ₹2,999 + taxes (waived on ₹10,00,000/year spend).
HSBC TravelOne Credit Card offers 4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partners. SBI Card MILES PRIME offers 4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1.
HSBC TravelOne Credit Card lounge access: 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year. SBI Card MILES PRIME lounge access: 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass.
HSBC TravelOne Credit Card charges 3.5% forex markup. SBI Card MILES PRIME charges 2.5% forex markup.