ICICI Bank
Adani One ICICI Bank Platinum Credit Card
Annual Fee
₹885₹750 + GSTBase Reward
3% points
Foreign Markup
3.5%
Welcome Benefits
Hotel Voucher Worth ₹1,000. Flight Voucher Worth ₹2,000 on Spends of ₹10,000.
Product Highlights
- Affordable joining and annual fee of ₹750 + GST
- Exclusive airport privileges at all Adani-managed airports
- Free domestic airport lounge access
Category Rewards
Specialty
1.5% on international spend
1.5X
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Adani One app / Adani airports
3% on Adani One ecosystem
Reward Calculator
Earns ₹1,935/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
2.8K
Adani OneApp Rewards
₹2.8K
via standard
Effective rate
1.47%
Annual fee
₹885
Year 1 net
+₹1,935
Year 2+ net
+₹1,935
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Get 3% Adani Reward Points on spends made with the Adani ecosystem, which includes Adani-managed airports, trainman, gas, electricity, and more. 1% Adani Reward Points on all other domestic spends. No reward points shall be awarded for fuel, gambling, EMI, or rent payments. 1.5% reward points on international spends. 0.5% Adani Reward Points on utility and insurance spends.
- 1 Adani Reward Point = ₹1
Benefits & Features
Domestic: 2 Complimentary Airport Lounge Access Each Quarter (No spending requirements for lounge access.) International: N/A Free domestic airport lounge access is offered along with the card.
Pros & Cons
Pros
- Affordable joining fee of ₹750
- Free airport lounge access without any spending requirements
- Good welcome benefits worth over ₹5,000
Cons
- No dining benefits associated with this card
- Porter services offered with a spending criterion
- High foreign currency markup fee of 3.5%
Additional Info
Minimum CIBIL score of 750 required for eligibility.
Savings of ₹200 each month and ₹2,400 each year.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More