Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Pride Platinum Credit Card 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.

Axis Bank

Axis Bank Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Pride Platinum Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹250Free
Joining FeeFreeFree
Fee Waiver Spend₹20,000N/A
Base Reward Rate0.4%0.125%
Reward CurrencyeDGE Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6/106.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

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

ICICI Bank Platinum Chip Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Pride Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

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: Axis Bank Pride Platinum Credit Card or ICICI Bank Platinum Chip Credit Card?
ICICI Bank Platinum Chip Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Pride Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Pride Platinum Credit Card and ICICI Bank Platinum Chip Credit Card?
Axis Bank Pride Platinum Credit Card has an annual fee of ₹250, while ICICI Bank Platinum Chip Credit Card has no annual fee. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 annual spend.
Which card has better rewards: Axis Bank Pride Platinum Credit Card or ICICI Bank Platinum Chip Credit Card?
Axis Bank Pride Platinum Credit Card offers a base reward rate of 0.4%. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Pride Platinum Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Pride Platinum Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Pride Platinum Credit Card 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.

Related Comparisons

Axis Bank Pride Platinum Credit Card vs Amazon Pay ICICI Bank Credit CardICICI Bank Platinum Chip Credit Card vs Amazon Pay ICICI Bank Credit CardAxis Bank Pride Platinum Credit Card vs Axis Bank ACE Credit CardICICI Bank Platinum Chip Credit Card vs Axis Bank ACE Credit Card

Explore More

Axis Bank Pride Platinum Credit Card Full ReviewICICI Bank Platinum Chip Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips