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Side-by-Side Comparison|Updated March 2026

Tata Platinum SBI Card vs ICICI Bank Platinum Identity 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

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
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Feature-by-Feature Comparison

FeatureTata Platinum SBI CardICICI Bank Platinum Identity Credit Card
Annual Fee₹499₹750
Joining Fee₹499₹2,000
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate1%0.25%
Reward CurrencyTata Card Reward PointsHand-picked Rewards
NetworkVisaVisa
Editor Rating8/107/10
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

ICICI Bank Platinum Identity Credit Card

No accelerated rewards listed

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

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Our Verdict

Tata Platinum SBI Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity 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 ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Frequently Asked Questions

Which is better: Tata Platinum SBI Card or ICICI Bank Platinum Identity Credit Card?
Tata Platinum SBI Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity 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 ICICI Bank Platinum Identity Credit Card?
Tata Platinum SBI Card has an annual fee of ₹499, while ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Tata Platinum SBI Card or ICICI Bank Platinum Identity Credit Card?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING and DINING. ICICI Bank Platinum Identity Credit Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Tata Platinum SBI Card and ICICI Bank Platinum Identity Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Platinum SBI Card and ICICI Bank Platinum Identity Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Platinum SBI Card or ICICI Bank Platinum Identity 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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