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ICICI Bank Adani One Credit Card
ICICI Bank

ICICI Bank Adani One Credit Card

"Best card for Adani ecosystem โ€” 7% Adani One rewards on Adani airport services, flights and duty-free, 2% on dining and entertainment, lounge access"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Frequent travellers who use Adani Group airports (Mumbai T2, Ahmedabad, Lucknow, Jaipur, Mangalore, Guwahati, Thiruvananthapuram); those who shop at duty-free and use Adani airport lounges
๐ŸŽ Reward Type
Adani One Reward Points (1 RP = โ‚น1; redeemable on Adani One app for flights, duty-free, airport services)
๐ŸŽ‰ Welcome Benefit
500 bonus Adani One Reward Points (โ‚น500 value) on card activation
๐Ÿ’ฐ Reward Rate
7 RPs per โ‚น100 on Adani One app (flights, duty-free, lounge, airport services) โ€” 7% effective; 2 RPs per โ‚น100 on dining, entertainment and fuel; 1 RP per โ‚น100 on all other eligible spends; excludes wallet, EMI, rent, government, insurance; RPs valid 1 year
โœˆ๏ธ Lounge Access
Complimentary lounge access at Adani Group airports (1 per quarter on spending โ‚น15,000 in preceding quarter); no non-Adani airport lounge access
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
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โœ… Pros
  • 7% rewards on Adani One app โ€” highest travel co-brand rate
  • 1 RP = โ‚น1 โ€” excellent redemption value
  • Low โ‚น500 fee with easy โ‚น2L waiver
  • Adani airport lounge access
  • BOGO movies and 15% dining discount
  • Fuel surcharge waiver
โŒ Cons
  • 7% only on Adani One app โ€” niche ecosystem
  • RPs expire in 1 year โ€” must redeem actively
  • Lounge only at Adani airports
  • High forex markup 3.5%
  • 1% base on non-Adani spends is low

๐ŸŽ Rewards & Benefits

Reward Type
Adani One Reward Points (1 RP = โ‚น1; redeemable on Adani One app for flights, duty-free, airport services)
Welcome Benefits
500 bonus Adani One Reward Points (โ‚น500 value) on card activation
Reward Rate
7 RPs per โ‚น100 on Adani One app (flights, duty-free, lounge, airport services) โ€” 7% effective; 2 RPs per โ‚น100 on dining, entertainment and fuel; 1 RP per โ‚น100 on all other eligible spends; excludes wallet, EMI, rent, government, insurance; RPs valid 1 year
Reward Redemption
Adani One app: flights, duty-free shopping, airport lounge, car parking, meet and greet at Adani airports; 1 RP = โ‚น1; RPs valid 1 year
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
Complimentary lounge access at Adani Group airports (1 per quarter on spending โ‚น15,000 in preceding quarter); no non-Adani airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; 500 welcome RPs; lounge at Adani airports on โ‚น15K quarterly spend
Other Benefits
7% on entire Adani ecosystem; 1 RP = โ‚น1 โ€” excellent redemption value; Adani airport lounge access; fuel surcharge waiver; Buy 1 Get 1 movies via BookMyShow (on โ‚น25K quarterly spend); 15% off at 2,500+ restaurants via ICICI Culinary Treats; contactless payments; Easy EMI

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero card liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
7% on Adani One; Adani airport lounge; BOGO movies; ICICI Culinary Treats 15% dining

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank prevailing slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
7% only on Adani One app โ€” locked to Adani ecosystem; RPs expire in 1 year; lounge only at Adani airports; high forex markup 3.5%; movie benefit requires โ‚น25K quarterly spend

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; salaried or self-employed; Indian resident; CIBIL 650+; apply via Adani One app or ICICI Bank
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Based on income and ICICI Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Easy EMI on transactions above โ‚น3,000
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 200 3344 (24x7)
Chat / Email Support
Chat via ICICI iMobile app
Mobile App
ICICI iMobile and Adani One app
Online Banking
ICICI Bank NetBanking

Last updated: 01-06-2026

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