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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI 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.

City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
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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

FeatureCity Union Bank SimplySAVE SBI CardICICI Bank Platinum Chip Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.16666666666666669%0.125%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

City Union Bank SimplySAVE SBI Card

  • 1.67% on Dining
  • 1.67% on Movies
  • 1.67% on Grocery
  • 1.67% on Departmental Stores

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

City Union Bank SimplySAVE SBI Card

Pros

  • 10X Reward Points on daily essentials like Dining, Movies, Departmental Stores, and Grocery.
  • Welcome bonus of 2,000 Reward Points effectively offsets the joining fee.
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh annual spend.
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Cons

  • Very low base reward rate of 0.17% on non-category spends.
  • Accelerated rewards are capped at 5,000 points per month.
  • No complimentary airport lounge access or travel-specific benefits.

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 City Union Bank SimplySAVE SBI Card 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 City Union Bank SimplySAVE SBI Card if

Low entry barrier and high rewards on common categories like groceries and dining.

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: City Union Bank SimplySAVE SBI Card or ICICI Bank Platinum Chip Credit Card?
Both City Union Bank SimplySAVE SBI Card 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 City Union Bank SimplySAVE SBI Card and ICICI Bank Platinum Chip Credit Card?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while ICICI Bank Platinum Chip Credit Card has no annual fee. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or ICICI Bank Platinum Chip Credit Card?
City Union Bank SimplySAVE SBI Card offers a base reward rate of 0.16666666666666669% with accelerated rewards on Dining and Movies. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. City Union Bank SimplySAVE SBI Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: City Union Bank SimplySAVE SBI 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.

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