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Side-by-Side Comparison|Updated March 2026

SBI Card MILES ELITE 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.

SBI Card

SBI Card MILES ELITE

8.2/10
Annual Fee₹4,999
Base Rewards1%
NetworkMastercard
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ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

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

FeatureSBI Card MILES ELITEICICI Bank Manchester United Platinum Credit Card
Annual Fee₹4,999₹499
Joining Fee₹4,999₹499
Fee Waiver Spend₹15,00,000₹1,25,000
Base Reward Rate1%0.25%
Reward CurrencyTravel CreditsICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card MILES ELITE

No accelerated rewards listed

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

SBI Card MILES ELITE

Pros

  • High 3% reward rate on travel spends (6 Travel Credits per ₹200).
  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points with major partners.
  • Unique spend-linked domestic lounge access (1 extra visit per ₹1 Lakh spend).
  • Low foreign currency markup of 1.99%, ideal for international travelers.

Cons

  • High annual fee of ₹4,999 with a steep waiver threshold of ₹15 Lakhs.
  • Lounge access is capped per quarter (2 visits), which may be restrictive for frequent flyers.
  • Air Accident insurance coverage was discontinued as of July 2025.

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

SBI Card MILES ELITE 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 SBI Card MILES ELITE if

High reward rates on flights and hotels with 1:1 mile conversion across multiple airlines.

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: SBI Card MILES ELITE or ICICI Bank Manchester United Platinum Credit Card?
SBI Card MILES ELITE 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 SBI Card MILES ELITE and ICICI Bank Manchester United Platinum Credit Card?
SBI Card MILES ELITE has an annual fee of ₹4,999, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. SBI Card MILES ELITE offers a fee waiver on ₹15,00,000 annual spend. ICICI Bank Manchester United Platinum Credit Card offers a fee waiver on ₹1,25,000 annual spend.
Which card has better rewards: SBI Card MILES ELITE or ICICI Bank Manchester United Platinum Credit Card?
SBI Card MILES ELITE offers a base reward rate of 1%. 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 SBI Card MILES ELITE and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card MILES ELITE and ICICI Bank Manchester United Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card MILES ELITE or ICICI Bank Manchester United Platinum Credit Card?
For beginners, ICICI Bank Manchester United Platinum Credit 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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