ICICI Manchester United Signature vs SBI IRCTC Platinum

Compare ICICI Manchester United Signature vs SBI IRCTC Platinum across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

ICICI Manchester United Signature leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

ICICI Manchester United Signature

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.2

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

ICICI Manchester United Signature - ICICI credit card

Balanced value5.2

icici / MASTERCARD

ICICI Manchester United Signature

Annual

₹2,499

Return

Lounges

Forex

3.5%

Card summary

ICICI Manchester United Signature leans reward-led with ₹2,499 annual fee, 3% headline return potential, and 6 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,499 annual fee.
3% reward rate can outperform flat cashback for loyal users.
6 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

Lounges

Forex

3.5%

Card summary

SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹499 annual fee.
2% reward rate can outperform flat cashback for loyal users.
2 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

ICICI Manchester United Signature

SBI IRCTC Platinum

Fees

Annual fee

₹2,499

₹499

Joining fee

₹2,499

₹499

Rewards

Cashback rate

Reward rate

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹6,00,000

₹2,00,000

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