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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs Lifestyle Home Centre Max SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
NetworkVisa
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SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardLifestyle Home Centre Max SBI Card
Annual Fee₹750₹499
Joining Fee₹750₹499
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%0.25%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaVisa
Editor Rating7.5/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Pros & Cons

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

Our Verdict

Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or Lifestyle Home Centre Max SBI Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Adani One ICICI Bank Platinum Credit Card and Lifestyle Home Centre Max SBI Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while Lifestyle Home Centre Max SBI Card has an annual fee of ₹499. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or Lifestyle Home Centre Max SBI Card?
Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 1% with accelerated rewards on Adani One Ecosystem and Utility & Insurance. Lifestyle Home Centre Max SBI Card offers 0.25% base rewards with bonuses on Landmark Stores - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and Lifestyle Home Centre Max SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and Lifestyle Home Centre Max SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Adani One ICICI Bank Platinum Credit Card or Lifestyle Home Centre Max SBI Card?
For beginners, Lifestyle Home Centre Max SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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