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ICICI Bank Platinum Chip Credit Card VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

SBI SimplyCLICK charges ₹499 + GST but earns 10X points on online dining and shopping partners, with a ₹500 Amazon voucher that largely offsets the first year's fee. ICICI Bank Platinum Chip is entirely free with a flat 15% dining discount via Culinary Treats and general Reward Points on retail. If your dining and shopping happen mostly online through named partners (Swiggy, Amazon, Dominos), SimplyCLICK's accelerated rate is worth the small fee; for a genuinely free card with a straightforward dining discount, Platinum Chip needs no spend commitment.

ICICI Bank Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees3.5% on all international transactions.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% per month (45% per annum) on overdue amounts, ATM withdrawals, and if only the minimum due is paid.
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome Bonus
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie Benefits
Movie Benefits10X Reward Points on BookMyShow.
Dining BenefitsUp to 15% discount at over 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions done at HPCL fuel stations. This waiver applies to fuel transactions worth ₹400 to ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Platinum Chip Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The ICICI Bank Platinum Chip Credit Card is an entry-level, lifetime free credit card designed for everyday savings. It offers cardholders reward points on retail, utility, and insurance spends, along with attractive dining discounts through the Culinary Treats Programme. Cardholders also benefit from a 1% fuel surcharge waiver at HPCL pumps, making it a practical choice for daily use. This card is ideal for individuals seeking an affordable credit solution with valuable everyday benefits.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.

Earns valuable reward points on everyday retail, utility, and insurance expenditures.

Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.

Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.

Conveniently convert your large purchases into easy and manageable EMI options.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is applicable for each reward point redemption request.

The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.

High interest rates of 3.75% per month apply to overdue amounts and cash advances.

Significant cash advance fees are charged, which can be costly for emergency withdrawals.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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