SBI SimplySAVE vs Federal Celesta vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI SimplySAVE
4.2
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | SBI SimplySAVE | Federal Celesta | ICICI Platinum Chip |
|---|---|---|---|
| Bank | SBI | Federal Bank | ICICI Bank |
| Card Type | Rewards | Premium | Entry Level |
| Annual Fee | ₹499 + GST | ₹1,499 + GST | ₹199 + GST |
| Joining Fee | ₹499 + GST | ₹1,499 + GST | ₹199 + GST |
| Rewards | 10X rewards on dining, grocery, movies & dept stores | 4 reward points per ₹150 spent | 2 PAYBACK points per ₹100 on all spends |
| Best For | Everyday Spending | Travel & Entertainment | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹1,00,000 - ₹5,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | 500 bonus reward points | 1000 reward points on activation | None |
| Min Income | ₹20,000/month | ₹30,000/month | ₹12,000/month |
| Lounge Access | None | 6 domestic + 3 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free | Free |
| Rating | 4.2 | 4.1 | 3.9 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
Federal Celesta
Travel & Entertainment
Visa • Premium
- 6 domestic + 3 international lounge visits
- Buy 1 Get 1 on movie tickets
- 2X rewards on weekend dining
- Annual fee waiver on ₹3L spend
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, SBI SimplySAVE ranks highest among your selected cards. It excels at Everyday Spending and offers 10X rewards on dining, grocery, movies & dept stores.