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Side-by-Side Comparison|Updated March 2026

Tata Platinum 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 Platinum SBI Card

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 Platinum 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 CurrencyTata Card Reward PointsAdani Reward Points
NetworkVisaVisa
Editor Rating8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

Adani One ICICI Bank Platinum Credit Card

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

Pros & Cons

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

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 Platinum 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 Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

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 Platinum SBI Card or Adani One ICICI Bank Platinum Credit Card?
Tata Platinum 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 Platinum SBI Card and Adani One ICICI Bank Platinum Credit Card?
Tata Platinum SBI Card has an annual fee of ₹499, while Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750. Tata Platinum 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 Platinum SBI Card or Adani One ICICI Bank Platinum Credit Card?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING 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 Platinum 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 Platinum 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 Platinum SBI Card or Adani One ICICI Bank Platinum Credit Card?
For beginners, Tata Platinum 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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