All cards / ICICI Bank
ICICI Bank Adani One Signature Credit Card
A premium Adani-ecosystem co-brand card built for high-spending frequent travelers who fly through or transact regularly with Adani airports, gas, and utility billers — 7% accelerated rewards in that ecosystem, up to 16 domestic lounge visits a year, and a welcome bundle worth up to ₹9,000 make it a strong niche pick, though its lounge network breadth doesn't rival the top-tier bank-agnostic travel cards.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary Zomato Gold annual membership
- Rewards rate: 1.5% base rate
- Travel: Choice of EaseMyTrip luxury-stay gift card worth ₹10,000 or a Lohono premium villa stay worth ₹12,000 as a welcome benefit
- Domestic lounge access: 4 complimentary domestic airport lounge visits per quarter (min ₹75,000 quarterly spend), primary cardholder only
- International lounge access: 2 complimentary international lounge visits per year via Priority Pass (1,400+ lounges in 145+ countries)
- Insurance benefits: Air accident insurance cover for the primary cardholder on card-purchased tickets
Benefits by category
- ✈️ Travel
7% reward rate · 4 complimentary domestic lounge visits per quarter (16/year); 2 complimentary international lounge visits a year
- ⛽ Fuel
1% fuel surcharge waiver on qualifying HPCL transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations nationwide, not restricted to one oil marketing company
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Joining benefits worth up to ₹9,000
- 4 complimentary domestic lounge visits per quarter (16/year); 2 complimentary international lounge visits a year
- 1% fuel surcharge waiver on qualifying HPCL transactions
Pros
- + Strong 7% reward rate within the Adani ecosystem (airports, gas, electricity)
- + Generous lounge access — up to 16 domestic visits/year plus 2 international
- + High-value welcome benefits worth up to ₹9,000
- + 1.5% base reward rate, respectable for a co-brand card outside its bonus category
Cons
- − High ₹5,000 annual fee relative to a lounge network limited mostly to Adani airports
- − Steep income eligibility (₹75,000+ monthly)
- − Fee waiver requires ₹6 lakh annual spend
- − Reward value is heavily concentrated in the Adani ecosystem rather than general spend
Related guides