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Side-by-Side Comparison|Updated March 2026

ICICI Bank Manchester United Signature Credit Card vs Apollo SBI Card

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

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureICICI Bank Manchester United Signature Credit CardApollo SBI Card
Annual Fee₹2,499₹499
Joining Fee₹2,499₹499
Fee Waiver Spend₹2,50,000₹1,00,000
Base Reward Rate0.25%0.25%
Reward CurrencyICICI Reward PointsReward Points
NetworkVisaMastercard
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Apollo SBI Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: ICICI Bank Manchester United Signature Credit Card or Apollo SBI Card?
Apollo SBI Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Manchester United Signature Credit Card and Apollo SBI Card?
ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499, while Apollo SBI Card has an annual fee of ₹499. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: ICICI Bank Manchester United Signature Credit Card or Apollo SBI Card?
ICICI Bank Manchester United Signature Credit Card offers a base reward rate of 0.25% with accelerated rewards on Manchester United Match Days. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Manchester United Signature Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Manchester United Signature Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Manchester United Signature Credit Card or Apollo SBI Card?
For beginners, Apollo 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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