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Adani One ICICI Bank Platinum Credit Card VS ICICI Bank Business Advantage Blue 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
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CheQ AU Credit Card

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CheQ AU Credit Card
Adani One ICICI Bank Platinum Credit Card
Adani One ICICI Bank Platinum Credit Card
ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card

Fees & Charges

Joining Fee₹750 + GST
Joining Fee₹500 + GST
Renewal Fee₹750 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual Fee waived on spends of ₹3 Lakh or more in the preceding year.
Spend Based WaiverJoining fee waived on ₹50,000 spend in 60 days. Renewal fee waived on ₹5,00,000 spend annually.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.75% Per Month (45% Per Year) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (minimum due) or 3.40% per month (general, 40.80% annually).

Rewards & Benefits

Welcome BonusVouchers worth over ₹5,000 (flight, hotel, holiday) on specific spends within 60 days of activation.
Welcome BonusJoining fee waiver if you spend ₹50,000 or more within 60 days of card issuance.
Rewards Rate3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends.
Rewards RateUp to 1% cashback on domestic/international spends, capped at ₹500/month. Additional 0.20% on bill payment.
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 Access8 complimentary visits per year (2/quarter) at select lounges, with ₹35,000 spend in previous quarter.
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, premium lounge upgrades, valet parking, premium parking, porter services.
Travel Benefits24x7 concierge services for flight/hotel booking, car rentals, and emergency auto assistance.
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 under ICICI Bank Culinary Treats Program at 2500+ restaurants.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver at HPCL stations on transactions up to ₹5,000/month, max waiver ₹500/month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal air accident cover up to ₹75 lakhs and zero credit card lost liability.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹500.
Cash Advance Charges2.5% of transaction amount or ₹300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Adani One ICICI Bank Platinum Credit Card

ICICI Bank Business Advantage Blue 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 ICICI Bank Business Advantage Blue Credit Card is a powerful financial tool designed for professionals, entrepreneurs, and MSMEs. It simplifies spending and rewards businesses with cashback on eligible transactions. Positioned as a card for business savings and smart spending, it offers key benefits such as cashback on transactions, complimentary domestic airport lounge access, and comprehensive concierge services. This card is highly recommended for business individuals who frequently incur expenses on air travel and professional services, allowing for substantial savings on business expenditures, coupled with enhanced security features.

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.

Designed for business savings, offering cashback on recurring business expenses.

Provides additional cashback for timely bill payments via Corporate Net Banking.

Includes valuable benefits like domestic lounge access and dining discounts.

Comprehensive 24x7 concierge services enhance convenience for business travel.

Offers robust insurance benefits including personal air accident cover.

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.

Cashback is capped at ₹500 per month, which may limit benefits for high spenders.

No cashback is earned if the monthly spend is less than ₹25,000.

Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

The foreign currency markup of 3.5% is relatively high for international transactions.

Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.

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.
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