ICICI Bank
Seven per cent back across the Adani ecosystem, with sixteen domestic lounge visits a year.
One-time
Waived on ₹6,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to ICICI Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from ICICI Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Utilities
No published ceiling on this tier
Insurance
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
7% on Travel — 7% as Adani Reward Points on Adani One ecosystem spends — flight, hotel and Pranaam bookings made through Adani One., with no stated cap.
Biggest limitation
Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
7 pts
uncappedTravel
7% as Adani Reward Points on Adani One ecosystem spends — flight, hotel and Pranaam bookings made through Adani One.
1.5 pts
uncappedEverything else
1.5% on other domestic spends. Fuel and rent earn nothing. International spends earn 2%.
0.5 pts
uncappedUtilities
0.5% on utility payments.
0.5 pts
uncappedInsurance
0.5% on insurance payments.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹5,000 | — |
| Annual / renewal fee | ₹5,000 | Annual fee of Rs. 5,000 + GST is waived on annual spends of Rs. 6,00,000 or more in the preceding year. |
| Add-on card | Not published in ICICI Bank’s summary schedule of charges. Confirm on the card MITC before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | ICICI Bank levies a late payment fee that varies with the total amount due. The slab table is published in the card MITC rather than in the summary schedule of charges, so check it there before relying on a figure. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹7,000
of one-time welcome value, on top of what you earn
Every year after
₹6,00,000 a year
is what it takes to keep the ₹5,000 fee off — about ₹50,000 a month
No fuel surcharge waiver is published by ICICI Bank for this card.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹7,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Hotel voucher worth Rs. 2,000 on card activation, against a minimum transaction of Rs. 10,000.
Only on ₹10,000 of spend. Miss it and the benefit does not arrive.
Flight voucher worth Rs. 5,000 on spending Rs. 25,000 within 60 days of card issuance.
Only on ₹25,000 of spend within 60 days. Miss it and the benefit does not arrive.
Spend ₹3,00,000 a year — about ₹25,000 a month
A second Pranaam Meet & Greet service — Platinum Pranaam, worth about Rs. 1,700 — on cumulative annual spends of Rs. 3,00,000.
Spend ₹6,00,000 a year — about ₹50,000 a month
Annual fee of Rs. 5,000 waived on annual spends of Rs. 6,00,000 or more.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
ICICI BankAdani One ICICI Bank Platinum Credit Card BK₹750
ICICI BankICICI Bank Coral Credit Card BK₹500
ICICI BankICICI Bank Coral RuPay Credit Card BK₹500
HDFC BankHDFC Pixel Credit Card BKSee fees
Federal BankMagniFi Fi-Federal Credit Card BKSee fees
STATE BANKYatra SBI Card BK₹499| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Adani One ICICI Bank Signature Credit Card BK · this card | ₹5,000 | 7% travel | Included |
| Adani One ICICI Bank Platinum Credit Card BK | ₹750 | See card | Included |
| ICICI Bank Coral Credit Card BK | ₹500 | See card | Included |
| ICICI Bank Coral RuPay Credit Card BK | ₹500 | See card | Included |
| HDFC Pixel Credit Card BK | See card | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹5,000 plus GST, waived on ₹6,00,000 of annual spend.
The strongest published rate is 7% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 complimentary domestic airport lounge visits per calendar quarter — 16 a year — with no minimum spend condition.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Cash advances and ATM withdrawals Wallet loads EMI transactions No reward points on fuel transactions, rent payments, cash advances and atm withdrawals, wallet loads, emi transactions. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
ICICI Bank publishes about ₹75,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed on the Adani One portal, Redeemed in the Adani One app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Adani One ICICI Bank Signature Credit Card BK — 7% on travel. ₹5,000 a year.
