Adani One ICICI Bank Platinum vs SBI SimplySAVE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Adani One ICICI Bank Platinum wins 4 of 8 dimensions with a CardTrail Score of 8.0/10 vs 6.5/10.
| Feature | Adani One ICICI Bank Platinum | SBI SimplySAVE |
|---|---|---|
| CardTrail Score | 8.0/10 | 6.5/10 |
| Annual Fee | ₹750 | ₹499 |
| Base Reward Rate | 1% | 0.7% |
| Max Reward Rate | 3% | 1.7% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Platinum | Visa |
When to Choose Adani One ICICI Bank Platinum
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 3% vs 1.7%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, rewards
When to Choose SBI SimplySAVE
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: shopping, general
Annual Fee Value Analysis
To break even on Adani One ICICI Bank Platinum's ₹750 fee at 1% rewards, spend ₹6,250/month.
To break even on SBI SimplySAVE's ₹499 fee at 0.7% rewards, spend ₹5,940/month.