Synopsis: This article provides a complete overview of ICICI Adani One Credit Card variants, including fees, reward points, benefits, and eligibility insights. It also highlights key factors to consider before applying.
The ICICI Adani One Credit Card is a premium travel and lifestyle credit card that provides rewards and benefits for travel and lifestyle-related spends. There are two versions of the card- ICICI Adani One Signature Credit Card and ICICI Adani One Platinum Credit Card.
ICICI Adani One Signature Credit Card
- Joining Fee: ₹5,000 + tax
- Annual Fee: ₹5,000 + tax
- Annual Fee Waiver: On Spending ₹6 Lakhs annually
- Card Type: Premium Travel and Lifestyle Credit Card
- Best Suited For: Frequent travellers and high spenders
ICICI Adani One Platinum Credit Card
- Joining Fee: ₹750 + tax
- Annual Fee: ₹750 + tax
- Annual Fee Waiver: On Spending ₹3 Lakhs annually
- Card Type: Entry Level Travel and Lifestyle Credit Card
- Best Suited For: Occasional travellers and entry-level credit card users.
Other Fees
| Fee Type | Signature Card | Platinum Card | |
| Interest Rate | 3.75% p.m | 3.75% p.m | |
| Late Payment Fee | From ₹100 – ₹1300 depending on due amount | From ₹100 – ₹1300 depending on due amount | |
| Over Limit Penalty | 2.5% | 2.5% | |
| Cash Withdrawal Fee | 3.4% | 3.4% | |
| Foreign Currency Markup | 3.5% | 3.5% | |
Welcome Benefits
| Spend Category | Signature Card | Platinum Card |
| Flight | ₹5,000 | ₹2,000 |
| Car Parking/Valet | 4 Premium Car Parking/Valet Services | 2 Premium Car Parking/Valet Services |
| Food | 3-month EazyDiner Prime membership | 3-month EazyDiner Prime membership |
| Hotels | ₹2,000 Voucher | ₹1,000 Voucher |
Reward Structure
| Spend Category | Signature Card | Platinum Card |
| Reward point value | ₹0.25 | ₹0.25 |
| Adani Group Platforms | 7% | 3% |
| International Spends | 2% | 1.5% |
| Domestic Spends(excluding fuel, EMI, rent) | 1.5% | 1% |
| Utility and Insurance | 0.5% | 0.5% |
Also Read: HDFC Diners Club Black Review: Is This the Best Travel Credit Card in India? (2026)
Airport and Other Benefits
Signature Card
- 16 domestic lounge access at all airports annually.
- 2 international lounge access every year.
- Free upgrade to the premium lounge.
- 8 domestic porter services.
- Buy 1, Get 1 on movie tickets.
- 1% fuel surcharge waiver.
Platinum Card
- 8 domestic lounge access at all airports annually.
- Free upgrade to the premium lounge.
- 4 domestic porter services.
- 25% off on movie tickets.
- 1% fuel surcharge waiver.
Reward Redemption
Accumulated reward points can be redeemed across multiple categories via the Adani One reward catalogue or mobile app.
Who Should Choose which ICICI Adani One Credit Card?
ICICI Adani Signature credit card
The Signature card is a good choice for frequent travelers and high spenders who regularly use Adani Group platforms and Adani-managed airports. Cardholders who book flights, hotels, airport services, and utilities through the Adani One ecosystem can maximise rewards. It is also suitable for users who value premium airport benefits such as international lounge access, valet parking, porter services, and movie ticket offers, and who can meet the annual spend threshold to offset the higher annual fee.
ICICI Adani Platinum credit card
The Platinum card is ideal for occasional travellers and entry-level credit card users looking for basic travel and lifestyle benefits at a lower cost. It suits users who want domestic lounge access, modest rewards on Adani platform spends, and essential lifestyle perks without paying a high annual fee.
Conclusion
The ICICI Adani One Credit Cards are for users who frequently spend on Adani Group platforms and want travel-focused benefits. The Signature variant offers higher rewards and premium airport privileges, while the Platinum variant provides basic lounge access and Adani ecosystem rewards at a lower cost.
However, these cards are not ideal for users seeking strong everyday rewards, low forex charges, or broader redemption options. Overall, these cards deliver good value if your spending aligns with the Adani ecosystem.
FAQs
Each Adani One reward point is valued at ₹0.25 when redeemed through the Adani One app or the reward catalogue.
No. Fuel, rent and EMI transactions are excluded from earning points in both cards.
Not really. These cards are suitable for travel and Adani ecosystem spending. To earn rewards from grocery, dining or other daily expenses, there are other better alternatives.
Written by Nila Maria Jacob
