ICICI Bank
Adani One ICICI Bank Signature Credit Card
Annual Fee
₹5,900₹5,000 + GSTBase Reward
7% points
Foreign Markup
3.5%
Welcome Benefits
Hotel and Holiday Voucher Worth ₹2,000 Each. ₹5,000 Flight Voucher on Spends of ₹25,000 Within 60 Days of Card Activation
Product Highlights
- Earn 7% Adani reward points per ₹100 spent on Adani One and other Adani companies.
- Earn 1.5% Adani reward points per ₹100 spent domestically.
- Earn 2% Adani reward points per ₹100 spent internationally.
- Earn 0.5% Adani reward points per ₹100 on utility and insurance spends.
Category Rewards
Specialty
2% on international spend
2X
Fee Waiver
Annual Fee Waiver on Spends of ₹6 Lakh or More
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Adani One ecosystem
7% on Adani One ecosystem
Reward Calculator
Costs you ₹860/year
Break-even needs ~₹18,731/month at your reward mix.
₹16K
across all your buckets
5.0K
Adani OneApp Rewards
₹5.0K
via standard
Effective rate
2.63%
Annual fee
₹5,900
Year 1 net
₹-860
Year 2+ net
₹-860
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
Earn 7 Adani Reward Points per ₹100 on spends made with Adani Ecosystem, including Adani-managed airports, trainmen, gas, electricity, and more.
- 1 Adani Reward Point = ₹1 against statement
Benefits & Features
Domestic: 4 Free Domestic Airport Lounge Visits Each Quarter (No spending requirements for lounge access) International: 2 International Lounge Visits Each Year (Available for primary cardholders) International and domestic airport lounge access is offered for primary cardholders.
Pros & Cons
Pros
- Airport lounge access is offered without any spending requirements.
- A flight voucher worth ₹5,000 is offered as a joining benefit.
- Benefits for frequent travelers including premium upgrades and parking privileges.
Cons
- There are no renewal benefits associated with this card.
Additional Info
Joining benefits include flight and hotel vouchers.
No reward points shall be awarded for fuel and rent payments.
Max discount of ₹1,000 each month on movie ticket bookings
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 ₹6 Lakh or More