Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank Unifare 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.

ICICI Bank

ICICI Bank Unifare Credit Card

6.5/10
Annual Fee₹299
Base Rewards0.25%
NetworkMastercard
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

FeatureICICI Bank Unifare Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹299Free
Joining Fee₹299Free
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.25%0.125%
Reward CurrencyICICI Bank RewardsICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating6.5/106.5/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Unifare Credit Card

Pros

  • Dual-purpose card acting as both a credit card and a Metro Smart Card
  • Auto-recharge facility of ₹200 when balance falls below threshold
  • Up to 15% discount on Metro travel fares (varies by city)
  • Accelerated 4 reward points per ₹100 on auto-recharge transactions

Cons

  • No airport lounge access or travel insurance benefits
  • Reward rate is relatively low for non-transit spends
  • City-specific variants limit utility if you move between metros

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, ICICI Bank Unifare Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Unifare Credit Card if

Saves time with auto-recharge and money with direct fare discounts in Delhi, Mumbai, or Bangalore.

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: ICICI Bank Unifare 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, ICICI Bank Unifare 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 Unifare Credit Card and ICICI Bank Platinum Chip Credit Card?
ICICI Bank Unifare Credit Card has an annual fee of ₹299, while ICICI Bank Platinum Chip Credit Card has no annual fee. ICICI Bank Unifare Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank Unifare Credit Card or ICICI Bank Platinum Chip Credit Card?
ICICI Bank Unifare Credit Card offers a base reward rate of 0.25%. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Unifare Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Unifare 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: ICICI Bank Unifare 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

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

Explore More

ICICI Bank Unifare Credit Card Full ReviewICICI Bank Platinum Chip Credit Card Full ReviewAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips