Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

ICICI Platinum Chip vs SBI Card MILES

Honest side-by-side comparison of ICICI Platinum Chip, SBI Card MILES — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Platinum Chip

ICICI Bank

Card 2

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	ICICI Platinum Chip ICICI Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹18,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	₹1,020/yr
Travel	—	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate	1 RP/₹150	Accelerated travel points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹2,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Platinum Chip details →SBI Card MILES details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card MILES leads ICICI Platinum Chip by about ₹1,056/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Platinum Chip vs SBI Card MILES comparison table
Feature	ICICI Platinum Chip ICICI Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹18,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	₹1,020/yr
Travel	—	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate	1 RP/₹150	Accelerated travel points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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