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Side-by-Side Comparison|Updated March 2026

SBI Card PRIME 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 PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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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 PRIMEICICI Bank Manchester United Platinum Credit Card
Annual Fee₹2,999₹499
Joining Fee₹2,999₹499
Fee Waiver Spend₹3,00,000₹1,25,000
Base Reward Rate0.125%0.25%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

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 PRIME 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 PRIME if

High rewards on everyday categories like dining, groceries, and movies.

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 PRIME or ICICI Bank Manchester United Platinum Credit Card?
SBI Card PRIME 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 PRIME and ICICI Bank Manchester United Platinum Credit Card?
SBI Card PRIME has an annual fee of ₹2,999, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. SBI Card PRIME offers a fee waiver on ₹3,00,000 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 PRIME or ICICI Bank Manchester United Platinum Credit Card?
SBI Card PRIME offers a base reward rate of 0.125% with accelerated rewards on Dining and Groceries. 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 PRIME and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card PRIME 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 PRIME 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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