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Side-by-Side Comparison|Updated March 2026

SBI Card ELITE vs ICICI Bank Manchester United Signature Credit Card

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

SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card ELITEICICI Bank Manchester United Signature Credit Card
Annual Fee₹4,999₹2,499
Joining Fee₹4,999₹2,499
Fee Waiver Spend₹10,00,000₹2,50,000
Base Reward Rate0.5%0.25%
Reward CurrencySBI Reward PointsICICI Reward Points
NetworkVisaVisa
Editor Rating7.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

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.

Our Verdict

SBI Card ELITE 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 SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

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.

Frequently Asked Questions

Which is better: SBI Card ELITE or ICICI Bank Manchester United Signature Credit Card?
SBI Card ELITE 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 SBI Card ELITE and ICICI Bank Manchester United Signature Credit Card?
SBI Card ELITE has an annual fee of ₹4,999, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: SBI Card ELITE or ICICI Bank Manchester United Signature Credit Card?
SBI Card ELITE offers a base reward rate of 0.5% with accelerated rewards on Dining and Departmental Stores. ICICI Bank Manchester United Signature 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 SBI Card ELITE and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card ELITE and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card ELITE or ICICI Bank Manchester United Signature Credit Card?
For beginners, ICICI Bank Manchester United Signature Credit Card may be more approachable with a lower annual fee of ₹2,499. However, evaluate based on your expected spending pattern rather than fee alone.

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