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Side-by-Side Comparison|Updated March 2026

Apollo SBI Card SELECT vs ICICI Bank Platinum Chip Credit Card

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

SBI Card

Apollo SBI Card SELECT

7.2/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkMastercard
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureApollo SBI Card SELECTICICI Bank Platinum Chip Credit Card
Annual Fee₹1,499Free
Joining Fee₹1,499Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate0.25%0.125%
Reward CurrencyApollo Health CreditICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating7.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Apollo SBI Card SELECT

  • 0% on Apollo 24|7 and Pharmacy
  • 0% on Dining, Movies, Entertainme...

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

Apollo SBI Card SELECT

Pros

  • High 10% reward rate on Apollo 24|7 and Apollo Pharmacy spends.
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 in Apollo Health Credits.
  • Complimentary annual health check-up package worth ₹1,999 on meeting spend criteria.
  • Valuable milestone gift of a Noise Smartwatch worth ₹7,999 on ₹6 Lakh annual spend.

Cons

  • Reward redemption is strictly restricted to the Apollo ecosystem.
  • Low base reward rate of 0.5% on general spends.
  • International lounge visits are not complimentary despite the Priority Pass membership.

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

Both Apollo SBI Card SELECT and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Apollo SBI Card SELECT if

Significant savings on recurring pharmacy bills, lab tests, and doctor consultations within the Apollo network.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: Apollo SBI Card SELECT or ICICI Bank Platinum Chip Credit Card?
Both Apollo SBI Card SELECT and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Apollo SBI Card SELECT and ICICI Bank Platinum Chip Credit Card?
Apollo SBI Card SELECT has an annual fee of ₹1,499, while ICICI Bank Platinum Chip Credit Card has no annual fee. Apollo SBI Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Apollo SBI Card SELECT or ICICI Bank Platinum Chip Credit Card?
Apollo SBI Card SELECT offers a base reward rate of 0.25% with accelerated rewards on Apollo 24|7 and Pharmacy and Dining, Movies, Entertainme.... ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Apollo SBI Card SELECT and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Apollo SBI Card SELECT and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Apollo SBI Card SELECT or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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