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Side-by-Side Comparison|Updated March 2026

Tata Star SBI Card vs Adani One ICICI Bank 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
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Feature-by-Feature Comparison

FeatureTata Star SBI CardAdani One ICICI Bank Platinum Credit Card
Annual Fee₹499₹750
Joining Fee₹499₹750
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointAdani Reward Points
NetworkVisaVisa
Editor Rating7.8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

Pros & Cons

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

Our Verdict

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

Choose Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Frequently Asked Questions

Which is better: Tata Star SBI Card or Adani One ICICI Bank Platinum Credit Card?
Tata Star SBI Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Star SBI Card and Adani One ICICI Bank Platinum Credit Card?
Tata Star SBI Card has an annual fee of ₹499, while Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or Adani One ICICI Bank Platinum Credit Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery and Dining. Adani One ICICI Bank Platinum Credit Card offers 1% base rewards with bonuses on Adani One Ecosystem and Utility & Insurance. The better choice depends on your primary spending categories.
Can I have both Tata Star SBI Card and Adani One ICICI Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and Adani One ICICI Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Star SBI Card or Adani One ICICI Bank Platinum Credit Card?
For beginners, Tata Star SBI 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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