Adani One Signature Credit Card vs Amazon Pay ICICI Bank Credit Card vs Canara Bank RuPay Select Credit Card vs Union Select RuPay Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Adani One Signature Credit Card
Amazon Pay ICICI Bank Credit Card
Canara Bank RuPay Select Credit Card
Union Select RuPay Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Significant travel benefits for domestic & international flyers, with premium airport services.
Airport lounge access is provided without any spending requirements.
A ₹5,000 flight voucher as a joining benefit effectively offsets the first-year fee.
Valuable Pranaam Meet & Greet services included, a rare offering on premium cards.
High reward rate (7%) on Adani ecosystem spends.
Pros
Key benefits and features.
A lifetime-free credit card with no joining or annual maintenance fees for cardholders.
Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.
Cashback is automatically credited as Amazon Pay balance with no manual redemption required.
Rewards never expire and there is no maximum capping on the total cashback you can earn.
Competitive foreign currency markup of only 1.99% compared to the standard market rates.
Pros
Key benefits and features.
The card offers a competitive low interest rate of 2.5% per month on revolved credit amounts.
Enjoy a lifetime free credit card experience with no joining or annual fees whatsoever.
Benefit from comprehensive insurance cover for personal accident, disability, baggage & purchase protection.
Receive complimentary domestic (2/quarter) and international (2/year) airport lounge access.
Pros
Key benefits and features.
Enjoy significant travel perks with 4 complimentary domestic and international lounge accesses.
Benefit from a competitive reward rate of 4 points per Rs. 100, plus specific cashback on utilities.
Comprehensive insurance cover for accidental death and card loss provides enhanced financial security.
Attractive with a zero joining fee and an easily waiverable renewal fee on achieving spend goals.
Cons
Key drawbacks and limitations.
Lacks explicit renewal benefits, although annual fee waiver available for high spenders.
Limited appeal for users whose spending habits do not align with Adani ecosystem or travel.
Welcome benefits require significant spending within a short period to fully unlock vouchers.
Cons
Key drawbacks and limitations.
Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.
Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.
The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.
No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.
Cons
Key drawbacks and limitations.
Specific dining and entertainment benefits are limited, beyond general cashback offers.
A foreign currency markup fee of 3% to 3.5% makes international spends less rewarding.
An inactivity fee of ₹300 per annum applies if annual card turnover is below ₹1,00,000.
Fuel surcharge waiver is capped at a low ₹100 per month, limiting savings for frequent fuel users.
Cons
Key drawbacks and limitations.
The card does not offer any milestone benefits, limiting extra rewards for high spenders.
Specific movie and dining benefits are not explicitly outlined, which might disappoint some users.
Applying for the card requires an in-person visit to a Union Bank branch as online applications are unavailable.
A foreign currency markup of 3% applies to international transactions, increasing overseas spending costs.