Check below for a comparison between the SBI Prime credit card vs ICICI Platinum credit card or ICICI Platinum credit card vs SBI Prime credit card and find which is better –

Navigating the spectrum of credit card options, the choice between the SBI Prime Credit Card and the ICICI Platinum Credit Card becomes a pivotal decision for individuals seeking tailored financial solutions.

The SBI Prime Credit Card stands out for its comprehensive range of benefits, including exclusive rewards on dining, groceries, and travel, making it a versatile choice for those who value diverse perks.

In contrast, the ICICI Platinum Credit Card offers simplicity and accessibility, making it an ideal entry-level card with basic rewards and benefits.

This detailed comparison delves into the unique attributes of each card, guiding users to make an informed decision based on their specific spending patterns and lifestyle preferences.

Whether you seek an array of premium benefits or a straightforward credit card experience, understanding the distinct features of these cards will lead you to the one that seamlessly aligns with your financial goals and individual preferences.

Overview of SBI Prime credit card

Catering to those seeking a lifestyle credit card, the SBI Prime credit card stands out with its array of benefits.

Users can enjoy advantages related to dining and rewards, complemented by a 1% fuel surcharge waiver applicable to transactions ranging from Rs. 500 to Rs. 3,000 at fuel stations throughout India.

In the context of the reward rate, you earn 2 Reward Points for every Rs. 100 expended through this card and a heightened 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store purchases.

With each Reward Point valued at Rs. 0.25, the card’s effective reward rate is 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories.

Similar to the ELITE Card, the SBI Card Prime comes in three variants: MasterCard, American Express, and VISA.

Overview of ICICI Platinum credit card

ICICI Bank’s Platinum Chip credit card distinguishes itself as a credit card with no annual fee, providing impressive savings on all your transactions.

This card allows you to earn up to 2 Reward Points for every purchase, and these points can be redeemed for various options, including cashback.

Furthermore, it offers appealing discount opportunities for dining at 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme. Moreover, users can benefit from a 1% savings on all fuel transactions at HPCL pumps.

SBI Prime credit card vs ICICI Platinum credit card

Features/Charges	SBI Prime credit card	ICICI Platinum Chip Credit Card
Joining Fees	Rs. 2,999	NIL
Annual Fees	Rs. 2,999	NIL
Welcome Benefits		N/A
Cashback / Rewards point	In the context of the reward rate, you earn 2 Reward Points for every Rs. 100 expended through this card and a heightened 10 Reward Points for every spent Rs. 100 on groceries, dining out, and department store goods. With each Reward Point valued at Rs. 0.25, the card’s effective reward rate is 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories. Similar to the ELITE Card, the SBI Card Prime comes in three variants: MasterCard, American Express, and VISA.	Gain 2 Reward Points for every Rs. 100 spent on retail purchases.
Dining benefits	Receive a Pizza Hut voucher valued at Rs.1,000 for quarterly transactions surpassing Rs.50,000, plus enjoy a fivefold increase in reward points when dining at designated partner restaurants.	Receive a 15% reduction on dining expenses by utilizing this card.
Travel benefits	Acquire complimentary Club Vistara and Trident Privilege Memberships, and make the most of eight complimentary visits to domestic airport lounges every year with this card.	N/A
Annual fees waiver	Going beyond Rs.3 lakh in annual expenditures ensures the annual fee for the credit card is waived.	N/A
Fuel surcharge waiver	Make the most of this credit card by receiving a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 4,000 at any petrol pump in India.	This card grants you a 1% fuel surcharge waiver at every HPCL petrol station in India.