Adani One ICICI Bank Platinum Credit Card VS Adani One Signature Credit Card VS Emirates Skywards ICICI Bank Emeralde Credit Card VS Emirates Skywards ICICI Bank Sapphiro Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Adani One ICICI Bank Platinum Credit Card
Adani One Signature Credit Card
Emirates Skywards ICICI Bank Emeralde Credit Card
Emirates Skywards ICICI Bank Sapphiro Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Affordable joining and annual fee of ₹750 + GST makes it accessible.
Significant welcome benefits worth over ₹5,000 in vouchers for travel.
Complimentary domestic airport lounge access (2 per quarter) enhances travel.
Exclusive airport privileges like premium lounge upgrades and valet parking.
Strong reward earning rate on Adani One ecosystem spends (3%) is beneficial.
Pros
Key benefits and features.
Significant welcome benefits worth ₹9,000 effectively offset the first year's joining fee.
Earn a high reward rate of 7% on all your spends within the extensive Adani ecosystem.
Enjoy extensive travel benefits including lounge access, premium parking, valet, and meet-and-greet services.
Complimentary airport lounge access, both domestic and international, without any spend-based conditions.
Benefit from valuable movie ticket discounts via BookMyShow, saving up to ₹1,000 monthly.
Pros
Key benefits and features.
Offers a generous earning rate of 2 Skywards Miles for every ₹100 spent on retail.
Provides substantial welcome and renewal benefits, including bonus miles and Skywards Silver/Gold Tier.
Enjoy unlimited complimentary access to both domestic and international airport lounges.
Exclusive discounts on Emirates flight bookings and milestone-based Gold Tier upgrades.
Includes valuable lifestyle perks like Buy 1 Get 1 Free movie tickets and dining deals.
Pros
Key benefits and features.
Generous Skywards Miles earning rate on all retail spends, both domestic and international.
Complimentary Emirates Skywards Silver Tier membership with potential upgrade to Gold.
Extensive airport lounge access, covering both domestic and international terminals.
Valuable Buy 1 Get 1 Free movie ticket offer on BookMyShow, available twice monthly.
Significant discounts on Emirates flight bookings, enhancing travel savings.
Cons
Key drawbacks and limitations.
Domestic airport lounge access is conditional on spending ₹75,000 per quarter.
Movie benefits are conditional on spending ₹25,000 in the preceding quarter.
Lacks dedicated dining benefits, limiting its overall lifestyle appeal.
No international lounge access, making it less ideal for global travelers.
High foreign currency markup fee of 3.5% is costly for international spends.
Cons
Key drawbacks and limitations.
The Adani One ICICI Bank Signature Credit Card offers no explicit renewal benefits.
A high annual spend threshold of ₹6 Lakh is required to achieve the annual fee waiver.
Reward points are not earned on key categories like EMIs, fuel, and rent payments.
Its strong focus on the Adani ecosystem might not appeal to a wider, general audience.
Cons
Key drawbacks and limitations.
The card carries a high joining and annual fee of ₹10,000 + GST each year.
There is no annual fee waiver available, regardless of the spending amount.
A significant foreign currency markup of 3.50% applies to all international transactions.
Skywards Miles are not earned on specific categories like fuel, insurance, and utilities.
Movie offer eligibility requires a minimum spend of ₹25,000 in the preceding quarter.
Cons
Key drawbacks and limitations.
High joining and annual fees of ₹5,000 + GST, which can be a significant upfront cost.
Movie and domestic lounge benefits are spend-based, requiring quarterly spends to unlock.
Reward redemption is limited to Emirates and its partners, not suitable for all travelers.
No Skyward Miles on certain transaction categories like fuel, utilities, and government payments.
High foreign currency markup fee of 3.5% on all international transactions.