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Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI Adani One Signature Credit Card

37
Ranked #52 of 170 in credit
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ICICI-Adani One co-branded premium card built around the Adani travel/utility ecosystem, offering strong rewards and unique airport perks (valet, porter, meet-and-greet) for loyal Adani One users, but weak value outside that ecosystem.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value27/100 · weight 71%
≈ 1.38% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency63/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks41/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹5,000 + 18% GST
= ₹5,900 total
Annual fee
₹5,000 + 18% GST
= ₹5,900 / year total
Waiver: Annual fee waived on annual spend of Rs 6 lakh
Forex markup
3.5%

Lounge access

Domestic (per year)
16
International (per year)
2

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints1.75%(7 pts @ ₹0.25)—7% within Adani One ecosystem (flights, hotels, airports)
travelpoints5.00%(5 pts @ ₹1.00)——
online_spendspoints2.00%(2 pts @ ₹1.00)——
diningpoints2.00%(2 pts @ ₹1.00)——
all_spendspoints0.38%(1.5 pts @ ₹0.25)—1.5% domestic base
groceriespoints1.00%(1 pts @ ₹1.00)——
fuelpoints1.00%(1 pts @ ₹1.00)——

Welcome offer

Flight voucher worth Rs 5,000 (on Rs 25,000 spend within 60 days) + Rs 2,000 hotel voucher + Rs 2,000 holiday voucher on activation (~Rs 9,000 total), vouchers valid 6 months

Milestone benefits

Pros

  • Strong 7% value-back within Adani ecosystem (airports, flights, hotels, gas, electricity)
  • generous welcome bundle (~Rs 9,000)
  • premium airport perks unique to this card (Pranaam meet & greet, porter service, premium parking, valet, lounge upgrades) at Adani-managed airports
  • BOGO/discount movie tickets up to Rs 500-1,000/month

Cons

  • Rewards heavily skewed toward Adani ecosystem — poor value for general spending (groceries, dining get low/no rewards)
  • redemption locked to Adani One app only
  • high 3.5% forex despite travel positioning
  • zero rewards on fuel, rent, EMI
  • movie benefit now requires Rs 25,000 quarterly spend (from April 2026)

What's inside

More benefits

  • Premium airport privileges

    Lounge upgrades, valet parking, porter services at Adani-managed airports

    quarterly. Spend-conditional

Insurance cover

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Eligibility

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Standard ICICI premium card criteria; good CIBIL score (700-900 range cited)

Small print

Fuel surcharge:1% fuel surcharge waiver on transactions up to Rs 4,000; no reward points on fuel