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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT 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 - Tata Croma Card SELECT

8.2/10
Annual Fee₹2,999
Base Rewards1%
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 - Tata Croma Card SELECTICICI 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 Rate1%0.25%
Reward CurrencyEmpower PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card SELECT

No accelerated rewards listed

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

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 - Tata Croma Card SELECT 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 - Tata Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

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 - Tata Croma Card SELECT or ICICI Bank Manchester United Platinum Credit Card?
SBI Card - Tata Croma Card SELECT 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 - Tata Croma Card SELECT and ICICI Bank Manchester United Platinum Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. SBI Card - Tata Croma Card SELECT 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 - Tata Croma Card SELECT or ICICI Bank Manchester United Platinum Credit Card?
SBI Card - Tata Croma Card SELECT 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 - Tata Croma Card SELECT and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card SELECT 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 - Tata Croma Card SELECT 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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