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IDFC FIRST Wealth Credit Card VS Adani One ICICI Bank Platinum 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: 22 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
Adani One ICICI Bank Platinum Credit Card
Adani One ICICI Bank Platinum Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹750 + GST
Renewal FeeLifetime Free
Renewal Fee₹750 + GST
Spend Based WaiverNot Applicable
Spend Based WaiverAnnual Fee waived on spends of ₹3 Lakh or more in the preceding year.
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction Fees3.5%
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)3.75% Per Month (45% Per Year) for ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome BonusVouchers worth over ₹5,000 (flight, hotel, holiday) on specific spends within 60 days of activation.
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards Rate3% on Adani One ecosystem, 1.5% international, 1% domestic, 0.5% utility/insurance spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge Access2 complimentary domestic airport lounge accesses per quarter on ₹75,000 spend/quarter.
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel BenefitsComplimentary domestic lounge access, premium lounge upgrades, valet parking, premium parking, porter services.
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie Benefits25% off up to ₹100 on movie tickets via BookMyShow, twice monthly, on ₹25,000 spend/quarter.
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining Benefits
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.

Security & Other

Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance Benefits
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Wealth Credit Card

Adani One ICICI Bank Platinum Credit Card

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

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.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

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.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

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.

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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