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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT vs ICICI Bank Manchester United Signature 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 Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Croma Card SELECTICICI Bank Manchester United Signature Credit Card
Annual Fee₹2,999₹2,499
Joining Fee₹2,999₹2,499
Fee Waiver Spend₹3,00,000₹2,50,000
Base Reward Rate1%0.25%
Reward CurrencyEmpower PointICICI 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 Signature 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 Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

SBI Card - Tata Croma Card SELECT edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature 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 Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: SBI Card - Tata Croma Card SELECT or ICICI Bank Manchester United Signature Credit Card?
SBI Card - Tata Croma Card SELECT edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature 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 Signature Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or ICICI Bank Manchester United Signature Credit Card?
SBI Card - Tata Croma Card SELECT offers a base reward rate of 1%. ICICI Bank Manchester United Signature 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 Signature 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 Signature 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 Signature Credit Card?
For beginners, ICICI Bank Manchester United Signature Credit Card may be more approachable with a lower annual fee of ₹2,499. However, evaluate based on your expected spending pattern rather than fee alone.

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