Adani One ICICI Bank Platinum Credit Card – Benefits, Fees & Eligibility

Introduction

The Adani One ICICI Bank Platinum Credit Card is an economical, travel-oriented credit card issued by ICICI Bank, designed for individuals seeking beneficial travel perks within the Adani ecosystem. Positioned as the more affordable option in the Adani One Card series, it offers significant value through welcome benefits like flight, hotel, and holiday vouchers worth over ₹5,000. Key differentiating benefits include exclusive airport privileges such as complimentary domestic lounge access, premium lounge upgrades, valet parking, premium parking, and porter services, alongside a rewarding points program for spends within the Adani One ecosystem.

Welcome Benefits

• Flight voucher worth ₹2,000 on spends of ₹10,000 within the first 60 days of card activation. This benefit is for customers who have paid their joining or annual fee.
• Hotel voucher worth ₹1,000 (minimum transaction of ₹5,000).
• Holiday voucher worth ₹2,000 (minimum transaction of ₹20,000).
• Total welcome benefits are valued at over ₹5,000.

Fees

• Joining Fee: ₹750 + GST
• Annual Fee: ₹750 + GST
• Spend-Based Waiver: Annual Fee waived on spends of ₹3 Lakh or more in the preceding year.
• Rewards Redemption Fee: Not applicable.
• Foreign Currency Markup: 3.5%
• Interest Rates: 3.75% Per Month (45% Per Year) for ATM withdrawals and if only the minimum due is paid.
• Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 at any fuel outlet.
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500.
• Late Bill Payment: Ranging from ₹100–₹1,300.

Rewards

• Reward Type: Adani Reward Points.
• Reward Earning Rate:
  • 3% Adani Reward Points on spends made within the Adani One ecosystem (includes Adani-managed airports, Trainman, Adani Gas, Adani Electricity, and more).
  • 1.5% Adani Reward Points on international spends.
  • 1% Adani Reward Points on all other domestic spends.
  • 0.5% Adani Reward Points on utility and insurance spends.
  • No reward points shall be awarded for fuel, gambling, EMI, or rent payments.
• Movie & Entertainment:
  • 25% off up to ₹100 on movie ticket bookings via BookMyShow, twice every month.
  • To be eligible for this offer, cardholders must spend ₹25,000 or more on the Adani One ICICI Bank Platinum Credit Card within the preceding spends quarter. This entitles the cardholder to avail the offer in the following calendar quarter.
  • Example: Spend ₹25,000 between Dec 26, 2025, and Mar 25, 2026, to get the movie offer benefit between Apr 01, 2026, and June 30, 2026.
  • Add-on/Plus card members need to individually spend ₹25,000 in the preceding spends quarter to be eligible.
  • Cashback offers on the Amex variant have been revoked effective from January 1, 2025; upfront offers are available.
• Travel Benefits:
  • Domestic Lounge Access: 2 complimentary domestic airport lounge accesses each quarter. To avail this benefit, cardholders must spend ₹75,000 or more on the card in a calendar quarter, which entitles them to the benefit in the following calendar quarter. This benefit is exclusively applicable to the primary Cardholder.
  • Premium Lounge Upgrade: 8 premium lounge upgrades annually at Adani-managed airports after obtaining authorization.
  • Valet Parking: 2 instances of valet parking annually on card activation.
  • Premium Parking: 2 instances of premium car parking annually on card activation.
  • Porter Services: Up to 4 free porter services in a year at Adani-managed airports. Two porter services are unlocked upon spending of ₹1,00,000 annually, and the complete four porter services are unlocked upon spending of ₹2,00,000 annually.
  • International Lounge Access: Not applicable.
• Golf: Not applicable.
• Insurance Benefits: Not applicable.

Rewards Redemption Guide

• Adani Reward Points can be redeemed on Adani Rewards.
• 1 Adani Reward Point = ₹1.
• Your reward points will be credited to your Adani OneApp in the form of Adani OneApp Rewards at the end of the billing cycle.

Card Eligibility Criteria

• Age: An Indian citizen aged over 21 years.
• Income:
  • Salaried individual with a monthly income of ₹20,000.
  • Self-employed individual with an annual income of ₹2,40,000.
• CIBIL Score: A minimum CIBIL score of 750 is required.
• Documents Required:
  • Proof of identity.
  • Proof of address.
  • Income Proof.
  • No physical documents are required for application.

Card Review

The Adani One ICICI Bank Platinum Credit Card is a solid option for individuals who primarily travel within India and frequently utilize the Adani ecosystem. With a reasonable joining and renewal fee of ₹750 plus GST, it offers good value through welcome benefits like flight and hotel vouchers worth over ₹5,000. Travelers can enjoy two complimentary domestic airport lounge accesses per quarter (subject to a spend criterion), along with premium lounge upgrades at Adani airports. Additional travel perks like valet parking, premium parking, and porter services enhance the travel experience. The card's rewards program is strong for Adani ecosystem spends, offering 3% reward points.

Pros

• Affordable joining and annual fee of ₹750 + GST.
• Significant welcome benefits worth over ₹5,000 in vouchers.
• Complimentary domestic airport lounge access (2 per quarter).
• Exclusive airport privileges including premium lounge upgrades, valet parking, premium parking, and porter services.
• Strong reward earning rate on Adani One ecosystem spends (3%).
• Movie discounts via BookMyShow.
• Annual fee waiver on achieving a reasonable spend threshold.

Cons

• Domestic airport lounge access is conditional on spending ₹75,000 in the preceding quarter.
• Porter services are subject to a spending criterion (₹1 lakh for 2, ₹2 lakh for 4 annually).
• Movie benefits are conditional on spending ₹25,000 in the preceding quarter.
• Lacks dedicated dining benefits.
• No international lounge access.
• High foreign currency markup fee of 3.5%, which can be costly for frequent international spenders.
• No insurance benefits are included with this card.

Important Product Details

• Get exclusive airport privileges at all Adani-managed airports.
• Enjoy 2 complimentary domestic airport lounge accesses each quarter, subject to a spend of ₹75,000 in the preceding quarter.
• Earn up to 3 Adani reward points per ₹100 on spends made on Adani One ecosystem.
• Comes at an affordable joining and annual fee of ₹750 + GST.
• Receive flight vouchers worth ₹2,000 after spending ₹10,000 within the first 60 days.
• Avail 25% off up to ₹100 on movie tickets twice every month via BookMyShow, subject to a spend of ₹25,000 in the preceding quarter.
• Benefit from 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000.
• Includes 8 premium lounge upgrades annually.
• Offers 2 instances of valet parking and 2 instances of premium car parking annually.
• Provides up to 4 porter services annually, subject to spending thresholds.
• High foreign currency markup of 3.5%.
• No dining benefits.
• No international lounge access.
• No insurance benefits.

Other Details

• This card is the more economical version of the Adani One Card series, with the Adani One ICICI Bank Signature Credit Card being the superior option (joining/annual fee ₹5,000 + GST).
• The Adani One ICICI Bank Credit Cards aim to provide lifestyle benefits, reward points, and hassle-free payments.
• Card activation can be done by following instructions in the welcome kit, logging into the ICICI Bank's iMobile app, or Net Banking.
• This card does not include a meet-and-greet service.
• Refer to the Most Important Terms & Conditions (MITC) for other charges and applicable Terms & Conditions.