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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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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

FeatureSBI Card - Tata Card SELECTICICI Bank Platinum Chip Credit Card
Annual Fee₹2,999Free
Joining Fee₹2,999Free
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.125%
Reward CurrencyEmpower PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.8/106.5/10
Forex Markup3.5%3.5%

Pros & Cons

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

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

SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

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: SBI Card - Tata Card SELECT or ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT and ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while ICICI Bank Platinum Chip Credit Card has no annual fee.
Which card has better rewards: SBI Card - Tata Card SELECT or ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Card SELECT and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Card SELECT 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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