Miles and More Axis Bank Credit Card
Rs 3,500Annual fee
16Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access (4 visits/quarter) requires spends of Rs 50,000 in the previous 3 calendar months. New cardholders are exempt from this criteria for the month of card issuance and the next 3 calendar months.
3.5%Forex markup
Best for
miles, lufthansa, star alliance, travel, lounge
Top rewards
All eligible spends: 4 Award Miles / Rs 200 spent
HSBC TravelOne Credit Card
Rs 4,999Annual fee
Rs 8,00,000Fee waiver spend
6Domestic lounge
3.5%Forex markup
Best for
travel, airlines, hotels, lounge, miles
Top rewards
Hotels via HSBC: Up to 24 Reward Points / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100
| Feature | Miles and More Axis Bank Credit Card | HSBC TravelOne Credit Card |
|---|---|---|
| Issuer | Axis Bank | HSBC Bank |
| Network | Mastercard | Mastercard |
| Joining fee | Rs 3,500 | Rs 4,999 |
| Annual fee | Rs 3,500 | Rs 4,999 |
| Fee waiver spend | - | Rs 8,00,000 |
| Reward type | miles and more award miles | reward points |
| Best for | miles, lufthansa, star alliance, travel, lounge | travel, airlines, hotels, lounge, miles |
| Top reward categories | All eligible spends: 4 Award Miles / Rs 200 spent | Hotels via HSBC: Up to 24 Reward Points / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 16 | 6 |
| International lounge | 2 | 4 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | 10,000 bonus reward points on annual spends above Rs 12 lakh |
| Redemption | Air miles: upto Rs 0.7 per point | Air miles: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | Utilities, Fuel, Tax payments, Real estate and property managers, Non-financial institutions, Money transfers |