ICICI Bank Adani One Signature Credit Card

Name: ICICI Bank Adani One Signature Credit Card
Brand: ICICI
Price: 5000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The ICICI Bank Adani One Signature Credit Card is a co-branded product from ICICI Bank and Adani Group, issued on the Visa Signature network. Both joining and annual fees sit at ₹5,000 plus GST, placing it in the mid-to-premium tier. The annual fee gets waived when total spending crosses ₹6 lakh in a year. Welcome benefits total ₹7,000: ₹5,000 in flight vouchers and ₹2,000 in hotel vouchers, triggered by spending ₹25,000 within 60 days of card activation. This puts the effective first-year cost into negative territory for anyone who hits the activation spend.Reward points follow a tiered structure built around the Adani ecosystem. Spending on Adani One platforms (flights, gas, electricity) earns 7 points per ₹100, international transactions earn 2 points per ₹100, and domestic purchases earn 1.5 points per ₹100. All points get credited to the Adani One app as Adani OneApp Rewards at each billing cycle. The iShop portal adds up to 4% cashback at select merchants. While the 1.5 points domestic rate falls below what many ₹5,000 fee cards offer, the 7x Adani ecosystem rate compensates well for regular Adani service users.Airport perks are where this card stands apart from competing ICICI products. Two Pranaam meet-and-greet services annually (one on activation, one on ₹3 lakh spend) provide personalized assistance at Adani-managed airports. Sixteen premium lounge upgrades, 4 valet parking instances, 4 premium car parking slots, and up to 8 porter services (2 per ₹1 lakh spend) create a genuinely premium airport experience. International lounge access cove₹2 visits annually via Priority Pass across 1,400+ lounges worldwide, while domestic lounge access provides 4 visits per quarter with no spend conditions. The BookMyShow BOGO offer (up to ₹500 off on the second ticket, twice monthly) requires ₹25,000 spending in the preceding quarter.This card delivers the most value for travelers who frequently use Adani-managed airports in Mumbai, Ahmedabad, Lucknow, Mangaluru, Jaipur, Guwahati, and Thiruvananthapuram. The Pranaam service alone is typically worth ₹3,000 to ₹5,000 per use. If you rarely use Adani airports or the Adani One ecosystem, the 1.5 points per ₹100 domestic rate and ₹5,000 fee make competing travel cards from HDFC, SBI, or Axis a better fit for general spending.

Pros

↑Welcome benefits worth ₹7,000 (₹5K flight + ₹2K hotel vouchers) exceed the ₹5,000 joining fee, giving positive first-year value that few co-branded cards at this price offer
↑16 premium lounge upgrades, 2 Pranaam services, 4 valet parking, and 8 porter services make this one of the strongest airport perk packages under ₹5,000 annual fee
↑Both domestic (4 per quarter) and international (2 per year via Priority Pass) lounge access included without spend conditions, unlike many mid-tier ICICI cards that require ₹75K quarterly spend

Cons

↓1.5 reward points per ₹100 on domestic spending is below average for the ₹5,000 fee segment, where many cards offer 2 or more points per ₹100
↓Airport perks like Pranaam, valet parking, and porter services work only at Adani-managed airports, limiting value for travelers using non-Adani airports
↓3.5% forex markup is standard but high compared to dedicated travel cards charging 1.5% to 2%, and reward points can only be redeemed within the Adani One ecosystem

Key Highlights

Welcome Offer
₹5,000 flight + ₹2,000 hotel vouchers
₹5,000 flight vouchers on ₹25K spend within 60 days of activation
₹2,000 hotel vouchers
Total welcome value: ₹7,000
Joining/annual fee and interest excluded from qualifying spend

Reward Rate
7 points per ₹100 on Adani ecosystem
Adani One Ecosystem: 7 points per ₹100
International: 2 points per ₹100
Domestic: 1.5 points per ₹100
Points credited as Adani OneApp Rewards

Minimum Salary
₹75,000/month (salaried)
Salaried: ₹75,000/month
Self-employed: ₹9,00,000/year
Age: 21+ years
Indian citizen

Joining Fee
₹5,000 + GST
Joining fee: ₹5,000
Plus 18% GST
Welcome benefits worth ₹7,000 offset the cost

Annual Fee
₹5,000 + GST (waived on ₹6L spend)
Annual fee: ₹5,000
Plus 18% GST
Waived if annual spend exceeds ₹6 lakh

Why Choose?
Premium airport perks at Adani airports
2 Pranaam services annually
16 premium lounge upgrades
4 valet parking instances
4 premium car parking slots
Up to 8 porter services (2 per ₹1L spend)
Priority Pass membership included

Key Benefits

Dining

★3.0

▼

BookMyShow BOGO: buy 1 ticket, get up to ₹500 off on 2nd ticket
Available twice per month
Requires ₹25,000 quarterly spend from Jan 2026

Fuel

★4.0

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1% surcharge waiver on all fuel transactions
Maximum savings of ₹4,000 per year
Available at all fuel outlets across India
Primary and supplementary cardholders

Lifestyle

★3.0

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BookMyShow BOGO twice monthly (up to ₹500 off)
Up to 4% cashback on iShop portal at select merchants
Pranaam meet-and-greet at Adani airports

Reward Points

★3.5

▼

Adani One Ecosystem: 7 points per ₹100
International: 2 points per ₹100
Domestic: 1.5 points per ₹100
Up to 4% cashback on iShop
Points credited as Adani OneApp Rewards

Shopping

★2.5

▼

1.5 reward points per ₹100 on domestic purchases
Up to 4% cashback on iShop portal
7 points per ₹100 on Adani One ecosystem purchases

Merchant Offers

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BookMyShow BOGO up to ₹500 off, twice monthly
Up to 4% cashback on iShop
7x reward points on Adani One ecosystem

Travel

★4.5

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2 Pranaam services annually (1 on activation + 1 on ₹3L spend)
16 premium lounge upgrades per year
4 valet parking + 4 premium car parking annually
Up to 8 porter services (2 per ₹1L spend)
2 international lounges via Priority Pass
4 domestic lounges per quarter (no spend condition)

Airport Lounge Access

▼

4 domestic visits per quarter (no spend condition)
2 international visits annually via Priority Pass
1,400+ lounges in 145+ countries
Primary cardholder only

Liability Protection

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Zero liability on fraudulent transactions when reported promptly
Visa Signature purchase protection

Insurance

▼

Visa Signature standard insurance benefits
Primary cardholder only

Emi

▼

EMI conversion on purchases above ₹2,500
Available through iMobile app or internet banking

Detailed Information

Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 + GST
Annual Fee Waiver	Waived on ₹6L annual spend
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	2% of transferred amount (min ₹250)
Fee For Supplementary Card	Nil
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹9.0 lakh (₹75,000/month)
Minimum Annual Income Self Employed	₹9.0 lakh/year
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹5,000 plus 18% GST. Welcome benefits worth ₹7,000 (₹5,000 in flight vouchers and ₹2,000 in hotel vouchers) more than offset this cost. The flight vouchers require ₹25,000 in spending within 60 days of card activation.

The annual fee of ₹5,000 plus GST gets waived when your total spending in the year crosses ₹6 lakh. At ₹50,000 monthly spend, you would clear this threshold in 12 months.

The card earns 7 reward points per ₹100 on Adani One ecosystem spending (flights, gas, electricity via Adani platforms), 2 points per ₹100 on international transactions, and 1.5 points per ₹100 on domestic purchases. Points are credited as Adani OneApp Rewards at the end of each billing cycle.

New cardholders receive ₹5,000 in flight vouchers after spending ₹25,000 within 60 days of card activation (excluding fee payments and interest). A ₹2,000 hotel voucher is also included. Combined, these welcome benefits total ₹7,000, exceeding the ₹5,000 joining fee.

Pranaam is Adani's premium meet-and-greet service at its managed airports. It includes dedicated arrival and departure assistance, porter service, buggy transfers, and fast-track processing at select airports. The Signature card provides 2 Pranaam services annually: one on card activation and one after spending ₹3 lakh.

The card provides 4 domestic airport lounge visits per quarter (16 per year) with no minimum spend requirement. International lounge access includes 2 complimentary visits annually through Priority Pass, covering 1,400+ lounges in 145+ countries. All lounge benefits apply to the primary cardholder only.

Yes, the card includes a complimentary Priority Pass membership for the primary cardholder. This provides access to over 1,400 airport lounges across 145+ countries. Two international lounge visits per year are complimentary, and additional visits are charged at the lounge provider's guest rate.

The card provides 4 valet parking instances annually at Adani-managed airports. Additionally, 4 premium car parking slots are included on card activation. Both services are available at airports managed by Adani Group in cities like Mumbai, Ahmedabad, Lucknow, and others.

Porter services are earned based on spending: 2 porter services for every ₹1 lakh spent on the card, up to a maximum of 8 porter services per year. These are available at Adani-managed airports for the primary cardholder.

The card waives 1% fuel surcharge on transactions at all fuel outlets across India, with maximum savings of ₹4,000 per year. This applies to both primary and supplementary cardholders.

Buy one movie ticket and get up to ₹500 off on the second ticket through BookMyShow. This offer is available twice per month. From January 2026, you need to spend ₹25,000 in the preceding quarter to activate this benefit for the following quarter.

The foreign currency markup is 3.5% on all international transactions. While this is standard for most ICICI Bank credit cards, dedicated travel cards from other banks typically charge 1.5% to 2%. Factor this cost if international spending is a priority.

Salaried applicants need a minimum monthly income of ₹75,000 (₹9 lakh per year). Self-employed applicants require an annual income of ₹9 lakh. You must be an Indian citizen aged 21 years or above. A credit score of 750 or higher is typically expected.

Apply through the ICICI Bank website, iMobile app, or adanione.com. The application process is fully digital with no physical documents required. You need a PAN card, Aadhaar, and income proof (salary slips for salaried, ITR for self-employed). Existing ICICI Bank customers may find a pre-approved offer in iMobile or internet banking.

The card is issued on the Visa Signature network. This provides worldwide acceptance at all Visa merchants along with Visa Signature benefits including purchase protection and extended warranty.

Reward points are automatically credited to your Adani One app as Adani OneApp Rewards at the end of each billing cycle. You can redeem them on the Adani One platform for flight bookings, hotel stays, and other Adani ecosystem services. Points cannot be transferred to other airline or hotel loyalty programs.

The card provides 16 premium lounge upgrades annually at Adani-managed airports. These upgrades move you from a standard domestic lounge to a premium lounge experience with better food, seating, and amenities. This benefit is available for the primary cardholder only.

Adani Group manages airports in Mumbai, Ahmedabad, Lucknow, Mangaluru, Jaipur, Guwahati, and Thiruvananthapuram. Pranaam services, premium lounge upgrades, valet parking, premium car parking, and porter services are available at these locations. Availability of specific services may vary by airport.

The finance charge is 3.75% per month, which works out to 45% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

Late payment fees range from ₹100 to ₹1,300 depending on your total outstanding amount. These apply when you do not pay at least the minimum amount (5% of outstanding or ₹200, whichever is higher) by the statement due date.

Any purchase above ₹2,500 can be converted to EMI through the iMobile app or internet banking. Tenure options and interest rates depend on the transaction amount and your account standing. EMI conversions do not earn reward points.

Yes, supplementary (add-on) cards are available at no extra annual fee. Add-on cardholders earn reward points at the same rate as the primary card and share the fuel surcharge waiver benefit. All points from supplementary card transactions accumulate in the primary cardholder's Adani One account.

The Adani One ecosystem includes services available through the Adani One app and website: flight bookings, Adani Gas, Adani Electricity, Trainman (train bookings), and other Adani Group services. Spending on these platforms earns 7 reward points per ₹100 compared to 1.5 points for regular domestic purchases, making it 4.7x more rewarding to use Adani services.

If you rarely fly through Adani-managed airports, you lose the value of Pranaam, valet parking, premium car parking, and porter services. The domestic and international lounge access still works at non-Adani airports. However, the 1.5 points per ₹100 domestic rate and ₹5,000 annual fee make competing cards like HDFC Regalia, SBI Elite, or ICICI Sapphiro better choices for general spending and non-Adani airport travel.

The Signature card has a ₹5,000 fee (vs ₹750 for Platinum) but includes 2 Pranaam services, 16 premium lounge upgrades, 4 valet parking instances, 2 international lounge visits via Priority Pass, and 4 domestic lounges quarterly. The Platinum card offers fewer airport perks without Pranaam or international lounge access. The Signature earns 7/2/1.5 points per ₹100 (Adani/international/domestic). If you fly through Adani airports frequently, the Signature's premium airport benefits justify the higher fee.