ICICI Bank American Express Business Essential Credit Card vs ICICI Bank Manchester United Signature Credit Card

• Key benefits: Joining bonus of 1,500 PAYBACK Points from ICICI Bank Rewards with additional annual bonus of 1,500 PAYBACK Points from ICICI Bank Rewards.

• Reward Points: Enjoy limitless reward-earning opportunities powered by PAYBACK, which is India’s largest and Europe’s most popular loyalty programme with every transaction as described below:

- 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent online

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on dining & Airline transactions

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on Hotel & Car Rental

- 2 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on other spends (except fuel, utility and insurance)

• Reward points redemption: When you  desire to redeem your PAYBACK Points from ICICI Bank Rewards, you are provided with a worthy selection of rewards to choose from as described below:

Merchandise:

- Stylish accessories from Guess, Tommy Hilfiger and Calvin Klein. Classic time pieces from Omega. Raymond Weil and Tag Heuer

- Latest gadgets from Apple, Blackberry, Canon, Samsung and Sony Ericsson. Perfumes such as  Dunhill, 5th Avenue, Bvlgari and Carolina Herrara. These finest brands await for your indulgence

- Gift vouchers: You can redeem points for gift vouchers from Debenhams, Nautica, Jack and Jones, Taj Hotels Palaces & Resorts

- Air miles: Convert PAYBACK Points from ICICI Bank Rewards into air miles on Jet Airways Miles and more

• Culinary Treats: Drench your taste buds with various delicious treats at some of the leading restaurants in India and get avail great discounts. Save a minimum of 15% on dining bill at all participating restaurants. To view the complete list of restaurants, visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from (app store) or (google play) 
• American Express® SELECTS provides a broad range of special offers around the globe in travel, dining, shopping and entertainment. To view the current list of their offers, visit www.amexnetwork.com/selects
• Avail exclusive savings on ICICI Bank Business Essential Card
• Savings on fuel purchases: No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card
• Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card

• Annual fee will get waived off if you spend more than Rs. 2,50,000 in the previous year
• Enjoy Exclusive Manchester United Experience:

The top most spender every month, across all the Cardholders from both variants, will get a signed Manchester United jersey, a match ticket and up to 10% discount on merchandise on the Manchester United online store. Top 18 spenders will get an exclusive fully paid “Manchester United Experience” with:

A. A private tour of the stadium and museum in Manchester, England

B. Opportunity to watch a part of a training session of the First Team Squad

C. A visit to the Manchester United megastore at the stadium

• Avail waiver of 1% on fuel surcharge, which is valid on a maximum spend of Rs. 4,000 per transaction at all HPCL pumps
• Visa Lounge Access: Domestic Airport Lounge Benefit- Avail 2 complimentary airport lounge accesses per quarter
• Obtain up to 5 ICICI Bank Reward Points on every Rs 100 spent on all retail purchases except fuel
• BookMyShow And Inox: Get 25% discount capped up to Rs 150 on purchase of minimum two tickets per transaction. This benefit can be availed two times in a month on BookMyShow and Inox individually

Pros

• ICICI Business Essential has been specifically designed to deliver higher rewards catering to your business requirement
• Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card
• No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card

Cons

• No Golf/coaching sessions

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Pros

• 2 complimentary access to domestic airport lounges per quarter
• Visa Lounge Access: Domestic Airport Lounge Benefit- Avail 2 complimentary airport lounge accesses per quarter
• Obtain up to 5 ICICI Bank Reward Points on every Rs 100 spent on all retail purchases except fuel

Cons

• No Insurance Benefits
• No Golf Benefits
• No International Lounge Access