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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card PRIME 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.

SBI Card

Reliance SBI Card PRIME

8.5/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkRuPay
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureReliance SBI Card PRIMEICICI Bank Platinum Chip Credit Card
Annual Fee₹2,999Free
Joining Fee₹2,999Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate0.125%0.125%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkRuPayVisa
Editor Rating8.5/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Reliance SBI Card PRIME

  • 0% on Ajio & JioMart
  • 0% on Participating Reliance Reta...
  • 0% on Dining, Movies, Domestic Ai...

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

Reliance SBI Card PRIME

Pros

  • High 5% value back (20 RP per ₹100) on Ajio and JioMart spends.
  • Generous welcome benefit with ₹3,000 voucher covering the joining fee.
  • Comprehensive lounge access with both domestic and international visits.
  • Monthly movie benefit of ₹250 via BookMyShow with no day-of-week restrictions.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh.
  • Reward points are primarily valuable when redeemed for Reliance Retail vouchers.
  • Accelerated rewards on Reliance brands are capped at 7,500 points per cycle.

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

Reliance SBI Card PRIME edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Reliance SBI Card PRIME if

Maximum value back on JioMart, Ajio, Trends, and other Reliance ecosystem stores.

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: Reliance SBI Card PRIME or ICICI Bank Platinum Chip Credit Card?
Reliance SBI Card PRIME edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card PRIME and ICICI Bank Platinum Chip Credit Card?
Reliance SBI Card PRIME has an annual fee of ₹2,999, while ICICI Bank Platinum Chip Credit Card has no annual fee. Reliance SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Reliance SBI Card PRIME or ICICI Bank Platinum Chip Credit Card?
Reliance SBI Card PRIME offers a base reward rate of 0.125% with accelerated rewards on Ajio & JioMart and Participating Reliance Reta.... ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card PRIME and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card PRIME and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card PRIME 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.

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