BoB Select vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
BoB Select
Why this card wins: Everyday Spending — 2 reward points per ₹100 spent
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | ICICI Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹499 + GST | ₹199 + GST |
| Joining Fee | ₹499 + GST | ₹199 + GST |
| Rewards | 2 reward points per ₹100 spent | 2 PAYBACK points per ₹100 on all spends |
| Best For | Everyday Spending | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | 500 reward points on first spend | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
Verdict
Based on rating and overall value, BoB Select ranks highest among your selected cards. It excels at Everyday Spending and offers 2 reward points per ₹100 spent.
Frequently asked questions
Which is better: BoB Select or ICICI Platinum Chip?
BoB Select has the higher CardKhoj rating (4/5) and is best for everyday spending. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and ICICI Platinum Chip?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹499 + GST for BoB Select.
Do BoB Select and ICICI Platinum Chip offer airport lounge access?
BoB Select: 2 domestic per year. ICICI Platinum Chip: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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