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Adani One ICICI Bank Platinum Credit Card VS Amazon Pay ICICI Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both Adani One ICICI Bank Platinum Credit Card and Amazon Pay ICICI Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Adani One ICICI Bank Platinum Credit Card costs ₹750 + GST and earns 3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns up to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others. Adani One ICICI Bank Platinum Credit Card also brings 2 complimentary domestic airport lounge accesses per quarter on ₹75,000 spend/quarter, while Amazon Pay ICICI Bank Credit Card counters with cashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments. If travel spending matters more, go with Adani One ICICI Bank Platinum Credit Card; if international spends is the priority, Amazon Pay ICICI Bank Credit Card fits better.

Adani One ICICI Bank Platinum Credit Card
Adani One ICICI Bank Platinum Credit Card
Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

Fees & Charges

Joining Fee₹750 + GST
Joining FeeLifetime Free
Renewal Fee₹750 + GST
Renewal FeeLifetime Free
Spend Based WaiverAnnual Fee waived on spends of ₹3 Lakh or more in the preceding year.
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Foreign Transaction Fees3.5%
Foreign Transaction Fees1.99% on international spends
Interest Rate (APR)3.75% Per Month (45% Per Year) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.

Rewards & Benefits

Welcome BonusVouchers worth over ₹5,000 (flight, hotel, holiday) on specific spends within 60 days of activation.
Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Rewards Rate3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses per quarter on ₹75,000 spend/quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, premium lounge upgrades, valet parking, premium parking, porter services.
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Movie Benefits25% off up to ₹100 on movie tickets via BookMyShow, twice monthly, on ₹25,000 spend/quarter.
Movie Benefits
Dining Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹500.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Adani One ICICI Bank Platinum Credit Card

Amazon Pay ICICI Bank Credit Card

Who is it for?

The Adani One ICICI Bank Platinum Credit Card is an economical, travel-oriented card from ICICI Bank, ideal for frequent travelers within India who utilize the Adani ecosystem. It offers welcome benefits over ₹5,000 in vouchers and a strong 3% reward rate on Adani One spends. Cardholders enjoy complimentary domestic lounge access, premium airport upgrades, and other exclusive travel perks like valet parking and porter services, all for a reasonable annual fee.

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

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.

Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.

Lifetime free with no joining or annual fees, offering significant long-term value.

Unlimited cashback with no maximum capping on the Amazon Pay balance earned.

Reward points are automatically credited as Amazon Pay balance and have no expiry date.

Low international forex mark-up at 1.99% makes international spends more economical.

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.

Primarily focused on Amazon shopping, limiting benefits for other spending categories.

Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.

Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.

The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Adani One ICICI Bank Platinum Credit Card(opens in new tab)Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)