Adani One ICICI Bank Platinum Credit Card

Unlock premium travel and lifestyle privileges with the Adani One ICICI Bank Platinum Credit Card. Enjoy seamless integration with the Adani One ecosystem, earning reward points on spends across Adani-managed airports, Trainman, Adani Gas, Adani Electricity, and more. This card is designed for travelers seeking an economical option that provides exclusive airport benefits, premium service upgrades, and various vouchers that make every journey more rewarding without requiring high spend-based lounge access criteria.

Welcome Benefits

• Flight Voucher: Receive a voucher worth ₹2,000 on spending ₹10,000 within 60 days of card activation.
• Hotel Voucher: Receive a voucher worth ₹1,000 (requires a minimum transaction of ₹5,000).
• Holiday Voucher: Receive a voucher worth ₹2,000 (requires a minimum transaction of ₹20,000).
• Total Value: Cardholders can receive vouchers worth over ₹5,000 upon meeting activation and spend requirements.
• Note: Only customers who pay the joining or annual fee are eligible for the flight voucher. Those who avail of the card without joining/annual fees are ineligible.

Fees

• Joining Fee: ₹750 + GST.
• Annual Fee: ₹750 + GST.
• Spend-Based Waiver: The annual fee is waived for the following year if you spend over ₹3,00,000 in a calendar year.
• Foreign Currency Markup: 3.5%.
• Interest Rates: 3.75% per month (45% per year) if only the minimum due is paid.
• ATM Withdrawal Interest: 3.75% interest per month.
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500.
• Late Bill Payment Charges: Ranging from ₹100 to ₹1,300.
• Fuel Surcharge: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum waiver up to ₹4,000).

Rewards

Reward Earning Rates

• Adani One Ecosystem: 3% reward points on spends made within the Adani ecosystem (Adani-managed airports, Trainman, Adani Gas, Adani Electricity, etc.).
• International Spends: 1.5% reward points on every ₹100 spent.
• Domestic Spends: 1% reward points on every ₹100 spent.
• Utility and Insurance: 0.5% Adani reward points on utility and insurance spends.
• iShop: Earn up to 4% cashback on iShop.
• Exclusions: No reward points are awarded for fuel, gambling, EMI, or rent payments.

Travel and Airport Benefits

• Domestic Lounge Access: 2 complimentary domestic airport lounge visits per quarter (8 annually).
• Premium Lounge Upgrades: 8 premium lounge upgrades annually at Adani-managed airports (including the premium section at Mumbai Airport T2).
• Valet Parking: 2 instances of valet parking and car washing annually upon card activation.
• Premium Parking: 2 instances of premium car parking annually upon card activation.
• Porter Services: Up to 4 porter services per year at Adani-managed airports. 2 services are unlocked upon spending ₹1,00,000, and the remaining 2 are unlocked upon spending ₹2,00,000 annually.

Entertainment

• Movie Tickets: 25% discount (up to ₹100) on movie tickets through BookMyShow and INOX. This offer can be availed twice every month.

Rewards Redemption Guide

• Crediting: Reward points are credited to the Adani One App as Adani OneApp Rewards at the end of each billing cycle.
• Redemption Value: 1 Adani Reward Point = ₹1.
• Redemption Platform: Points can be redeemed via the Adani One ecosystem for various travel and lifestyle services.

Card Eligibility Criteria

Eligibility Rules

• Citizenship: Must be an Indian citizen.
• Age: Over 21 years of age.
• Salaried Individuals: Monthly income of at least ₹20,000.
• Self-Employed Individuals: Annual income of at least ₹2,40,000.
• CIBIL Score: A minimum CIBIL score of 750 is required.

Documents Required

• Identity Proof.
• Address Proof.
• Income Proof.
• Digital Processing: No physical documents are required if processed via DigiLocker.

Card Review

• Overall Verdict: The Adani One ICICI Bank Platinum Credit Card is an ideal choice for frequent domestic flyers who frequent Adani-managed airports and utilize their ecosystem for utilities or travel.
• Pros:
  • Affordable joining fee of ₹750.
  • No spending requirement for domestic airport lounge access (most other ICICI cards require ₹75,000 per quarter).
  • High reward value with a 1
    point-to-rupee redemption ratio.
  • Generous welcome vouchers exceeding the cost of the joining fee.
  • Exclusive airport privileges like valet parking and car washing.
• Cons:
  • No dedicated dining benefits.
  • Lack of international lounge access.
  • High foreign currency markup fee of 3.5%.
  • No insurance benefits included.
  • Porter services are subject to high annual spending milestones.

Important Product Details

Positive Highlights

• Welcome vouchers worth ₹5,000 (Flight, Hotel, and Holiday).
• 8 complimentary domestic lounge visits per year.
• 8 premium lounge upgrades per year at Adani-managed airports.
• 2 valet parking and 2 premium parking instances annually.
• Up to ₹2,400 annual savings on movie tickets.
• Reward points credited directly to the Adani One App.

Negative Highlights

• High interest rate of 45% per annum on defaults or cash advances.
• Spend criteria of ₹1 Lakh and ₹2 Lakh respectively to unlock porter services.
• No reward points for rent, fuel, EMI, or gambling.
• High 3.5% forex markup.

Other Details

• Activation: The card can be activated via the iMobile app, Internet Banking, or by following instructions in the welcome kit.
• Card Interest: Over 14,430 people have expressed interest in this product.
• Integration: Part of the first association between Adani and ICICI Bank.
• Variants: There are two types of Adani One ICICI Bank Credit Cards: Platinum and Signature. The Signature card has a higher joining fee of ₹5,000 + GST.
• Meet and Greet: This card does not include meet-and-greet services, though it offers porter services.