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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma 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 Croma Card SELECT

8.2/10
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 Croma Card SELECTICICI Bank Platinum Chip Credit Card
Annual Fee₹2,999Free
Joining Fee₹2,999Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%0.125%
Reward CurrencyEmpower PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

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 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 Croma 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 Croma Card SELECT if

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

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 Croma Card SELECT or ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Croma 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 Croma Card SELECT and ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while ICICI Bank Platinum Chip Credit Card has no annual fee. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or ICICI Bank Platinum Chip Credit Card?
SBI Card - Tata Croma 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 Croma 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 Croma 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 Croma 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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