ICICI Platinum Chip vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
ICICI Platinum Chip
Why this card wins: Budget Users — 2 PAYBACK points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | Punjab National Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹199 + GST | ₹299 + GST |
| Joining Fee | ₹199 + GST | ₹99 + GST |
| Rewards | 2 PAYBACK points per ₹100 on all spends | 2 reward points per ₹100 on all spends |
| Best For | Budget Users | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹15,000 - ₹1,50,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | None | None |
| Min Income | ₹12,000/month | ₹12,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.9 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, ICICI Platinum Chip ranks highest among your selected cards. It excels at Budget Users and offers 2 PAYBACK points per ₹100 on all spends.
Frequently asked questions
Which is better: ICICI Platinum Chip or PNB Rupay Platinum?
ICICI Platinum Chip has the higher CardKhoj rating (3.9/5) and is best for budget users. PNB Rupay Platinum 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: ICICI Platinum Chip and PNB Rupay Platinum?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹299 + GST for PNB Rupay Platinum.
Do ICICI Platinum Chip and PNB Rupay Platinum offer airport lounge access?
No. None of these cards include complimentary airport 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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