Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity Credit Card vs City Union Bank SimplySAVE 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 Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
View Full Details

City Union Bank

City Union Bank SimplySAVE SBI Card

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

Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardCity Union Bank SimplySAVE SBI Card
Annual Fee₹750₹499
Joining Fee₹2,000₹499
Fee Waiver Spend₹2,00,000₹1,00,000
Base Reward Rate0.25%0.16666666666666669%
Reward CurrencyHand-picked RewardsReward Points
NetworkVisaVisa
Editor Rating7/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Platinum Identity Credit Card

No accelerated rewards listed

City Union Bank SimplySAVE SBI Card

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

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

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.

Our Verdict

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

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose City Union Bank SimplySAVE SBI Card if

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

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity Credit Card or City Union Bank SimplySAVE SBI Card?
Both ICICI Bank Platinum Identity Credit Card and City Union Bank SimplySAVE SBI 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 ICICI Bank Platinum Identity Credit Card and City Union Bank SimplySAVE SBI Card?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while City Union Bank SimplySAVE SBI Card has an annual fee of ₹499. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or City Union Bank SimplySAVE SBI Card?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. City Union Bank SimplySAVE SBI Card offers 0.16666666666666669% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and City Union Bank SimplySAVE SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity Credit Card and City Union Bank SimplySAVE SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Identity Credit Card or City Union Bank SimplySAVE SBI Card?
For beginners, City Union Bank SimplySAVE 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.

Related Comparisons

ICICI Bank Platinum Identity Credit Card vs SBI Card PRIMECity Union Bank SimplySAVE SBI Card vs SBI Card PRIME

Explore More

ICICI Bank Platinum Identity Credit Card Full ReviewCity Union Bank SimplySAVE SBI Card Full ReviewAll ICICI Bank CardsAll City Union Bank CardsBrowse All Credit CardsCredit Card Guides & Tips