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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs SBI Card - SimplyCLICK 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

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardSBI Card - SimplyCLICK SBI Card
Annual Fee₹750₹499
Joining Fee₹750₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.0625%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaVisa
Editor Rating7.5/107.5/10
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 - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

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 - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Our Verdict

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

High reward rates on major e-commerce platforms and partner brands.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or SBI Card - SimplyCLICK SBI Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - SimplyCLICK 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 SBI Card - SimplyCLICK SBI Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while SBI Card - SimplyCLICK 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. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or SBI Card - SimplyCLICK 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. SBI Card - SimplyCLICK SBI Card offers 0.0625% base rewards with bonuses on Partner Brands and All Other Online Spends. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and SBI Card - SimplyCLICK 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 SBI Card - SimplyCLICK SBI Card?
For beginners, SBI Card - SimplyCLICK 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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