ICICI Bank Platinum Chip Credit Card VS SimplySAVE SBI Card
Both SimplySAVE SBI Card and ICICI Bank Platinum Chip Credit Card suit dining-focused spenders, but they earn and cost differently. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. ICICI Bank Platinum Chip Credit Card is lifetime-free and earns 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance. SimplySAVE SBI Card also brings receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance. If movies spending matters more, go with SimplySAVE SBI Card; if fuel is the priority, ICICI Bank Platinum Chip Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
ICICI Bank Platinum Chip Credit Card
SimplySAVE SBI Card
Who is it for?
Who is it for?
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.
Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.
Earn 10X Reward Points on popular categories like dining, movies, and groceries.
Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.
Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.
Enjoy the convenience of add-on cards for family members with no annual fee.
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.
The reward rate for spends outside accelerated categories is a standard 1X, which is lower.
No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.
The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.