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Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs Adani One ICICI Bank Platinum Credit Card

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

SBI Card

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
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Feature-by-Feature Comparison

FeaturePaytm SBI CardAdani One ICICI Bank Platinum Credit Card
Annual Fee₹499₹750
Joining Fee₹499₹750
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointsAdani Reward Points
NetworkRuPayVisa
Editor Rating7.5/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

Pros & Cons

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

Our Verdict

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

Choose Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Frequently Asked Questions

Which is better: Paytm SBI Card or Adani One ICICI Bank Platinum Credit Card?
Both Paytm SBI Card and Adani One ICICI Bank Platinum 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 Paytm SBI Card and Adani One ICICI Bank Platinum Credit Card?
Paytm SBI Card has an annual fee of ₹499, while Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Paytm SBI Card or Adani One ICICI Bank Platinum Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. Adani One ICICI Bank Platinum Credit Card offers 1% base rewards with bonuses on Adani One Ecosystem and Utility & Insurance. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and Adani One ICICI Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and Adani One ICICI Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or Adani One ICICI Bank Platinum Credit Card?
For beginners, Paytm 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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