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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Chip Credit Card vs ICICI Bank Manchester United Platinum Credit 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 Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

6.5/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Platinum Chip Credit CardICICI Bank Manchester United Platinum Credit Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹1,25,000
Base Reward Rate0.125%0.25%
Reward CurrencyICICI Bank Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.5/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

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

ICICI Bank Manchester United Platinum Credit Card

Pros

  • Exclusive Manchester United branded football as a welcome gift upon spending ₹1,000.
  • Accelerated 3 reward points per ₹100 spent on Manchester United match days.
  • Top spenders get a chance to win signed jerseys and a fully-paid 'Manchester United Experience' at Old Trafford.
  • 25% discount up to ₹100 on movie tickets twice a month via BookMyShow and INOX.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Low base reward rate of 0.5% (2 points per ₹100) for non-match day spends.
  • Reward points are excluded on rent, government, and education payments.

Our Verdict

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

Choose ICICI Bank Platinum Chip Credit Card if

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

Choose ICICI Bank Manchester United Platinum Credit Card if

Offers unique access to club merchandise, match tickets, and stadium tours for top spenders.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Chip Credit Card or ICICI Bank Manchester United Platinum Credit Card?
ICICI Bank Platinum Chip Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum 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 Platinum Chip Credit Card and ICICI Bank Manchester United Platinum Credit Card?
ICICI Bank Platinum Chip Credit Card has no annual fee, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. ICICI Bank Manchester United Platinum Credit Card offers a fee waiver on ₹1,25,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Chip Credit Card or ICICI Bank Manchester United Platinum Credit Card?
ICICI Bank Platinum Chip Credit Card offers a base reward rate of 0.125%. ICICI Bank Manchester United Platinum Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Chip Credit Card and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Chip Credit Card and ICICI Bank Manchester United Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Chip Credit Card or ICICI Bank Manchester United Platinum 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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