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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs SBI Card PRIME

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

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardSBI Card PRIME
Annual Fee₹750₹2,999
Joining Fee₹750₹2,999
Fee Waiver Spend₹3,00,000₹3,00,000
Base Reward Rate1%0.125%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

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

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% 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.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or SBI Card PRIME?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while SBI Card PRIME has an annual fee of ₹2,999. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or SBI Card PRIME?
Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 1% with accelerated rewards on Adani One Ecosystem and Utility & Insurance. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Adani One ICICI Bank Platinum Credit Card or SBI Card PRIME?
For beginners, Adani One ICICI Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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