ICICI Bank
Adani One Signature
The Adani One ICICI Signature Credit Card is a premium co-branded card tailored for individuals who regularly travel and transact within the Adani One ecosystem. With an annual fee of Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹5,000
Joining Fee
₹5,000
Fee Waiver
Spend ₹6,00,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
1.5% – 7%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Adani One ICICI Signature Credit Card is a premium co-branded card tailored for individuals who regularly travel and transact within the Adani One ecosystem. With an annual fee of Rs. 5,000, this card acts as an upscale variant to the Platinum version, offering boosted reward earnings and several high-end airport-linked lifestyle benefits. If you are a loyal customer of Adani-managed airports, flights, hotels, and associated utility services, this card can provide substantial savings.
The standout feature of the card is its exceptional 7% value back on spends within the Adani One ecosystem, combined with accelerated rewards of 2% on international transactions and 1.5% on domestic spends. Beyond the reward point accumulation, the card delivers premium lifestyle and travel privileges such as complimentary domestic and international lounge visits, lounge upgrades, valet parking, and luxury airport services like porter and Pranaam hospitality.
While the card shines for loyalists, it does carry limitations that might reduce its appeal for casual users. The foreign currency markup is quite steep at 3.5%, and reward redemption is strictly restricted to products and bookings available on the Adani One platform, with no option for direct cashback. This card is best suited for high-spending frequent flyers who can maximize the Adani ecosystem and easily cross the Rs. 6 Lakh annual spending threshold to waive the yearly fee.
What We Like
We highly appreciate the impressive 7% value back on Adani ecosystem spends, the rich premium airport privileges including Pranaam and porter services, and the substantial Rs. 7,000 welcome benefit that quickly compensates for the card's annual fee.
Pros
- ✓Accelerated 7% reward rate on purchases made within the Adani One ecosystem.
- ✓Exclusive airport-linked privileges such as premium car parking, valet services, and lounge upgrades.
- ✓Complimentary access to both domestic and international airport lounges.
- ✓Up to Rs. 1,000 off on movie ticket bookings through BookMyShow every month.
- ✓Attractive welcome vouchers worth Rs. 7,000 on card activation and milestone spending.
- ✓Option to convert YES Bank reward points directly into Adani reward points.
Cons
- ✗High foreign currency transaction markup fee of 3.5%.
- ✗Low reward rate of 0.5% on utility bills and insurance payments.
- ✗No option to redeem reward points for direct cashback.
- ✗Reward point redemption is strictly restricted to spends within the Adani One ecosystem.
Get This Card If
- ✓You prefer to travel and shop within the Adani ecosystem to maximize benefits.
- ✓You can spend Rs. 6 Lakh in a year to avail annual fee waiver.
- ✓You want to avail premium airport-linked services like premium car parking, pranaam services, and lounge upgrades.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Adani Ecosystem (Accelerated) | 7 Adani Reward Points (ARP) per ₹100 | 7.00% | No Upper Cap |
| International Spends | 2 ARP per ₹100 | 2.00% | No Upper Cap |
| Other Domestic Retail Spends | 1.5 ARP per ₹100 | 1.50% | No Upper Cap |
| Insurance & Utility (Non-Adani) | 0.5 ARP per ₹100 | 0.50% | ₹40,000 spend each |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.3 Lakh | Flight Voucher | ₹5,000 Voucher | Awarded if ₹25,000 is spent within the first 60 days of card issuance. |
| ₹3 Lakh | Pranaam Service | 1 Meet & Greet Service | Unlocks 1 additional Pranaam service (Domestic) per year at this spend level. |
| ₹1 Lakh | Porter Service | 2 Porter Services | 2 domestic porter services for every ₹1 Lakh spent (Max 8 services per year). |
| ₹6 Lakh | Fee Waiver | ₹5,000 + GST Savings | Annual fee waived for the next year upon hitting ₹6 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Adani One Platform | ₹1.00 per point1:1 Ratio | Best Value (Directly adjust points against flight/hotel/bill totals) |
What You Need to Know
New Lounge Spend Gate (2026)
Effective July 1, 2026, domestic lounge access requires a spend of ₹75,000 in the previous quarter.
Impact: Requires an average monthly spend of ₹25,000 to keep the lounge perk active.
The 7% Utility Loophole
Electricity and Gas bills earn 7% ONLY when paid through the Adani One app.
Impact: Users should shift all home bills to the app to maximize this high-yield category.
Voucher Usage Floor
The ₹5,000 Flight Voucher is typically valid only on bookings above ₹10,000.
Impact: Cannot be used for 'free' short-haul flights; best for long-distance or family bookings.
BMS Spend Threshold
Movie benefits (BOGO) now require a minimum spend of ₹25,000 in the previous quarter.
Impact: Casual cardholders who don't reach this target will pay full price for tickets.
Essential Fine Print
Reward Exclusions
Excluded Spends: Fuel, EMI transactions, and wallet loading are excluded from earning reward points.
Government and Rent: Transactions related to rent payments and government services do not earn rewards.
Welcome Offer
Pranaam Services
Get 2 Pranaam services, one on card activation and the second on spends of ₹3 lakh annually.
Welcome Vouchers
Get exclusive Hotel vouchers worth ₹2,000
Flight Vouchers
Earn flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation.
Lounge Access
Domestic Lounge Access
The Primary Cardholder can avail 4 complimentary domestic airport lounge accesses per quarter.
International Lounge Access
The Primary Cardholder can avail 2 complimentary international airport lounge accesses per year.
Premium Lounge Upgrades
Enjoy 16 Premium Lounge upgrades at Adani-managed and operated airports.
Travel Benefits
Adani One Ecosystem Rewards
Earn 7% Adani Reward Points on spends made through the Adani One app (flights, hotels, Duty Free, etc.).
International Spend Rewards
Earn 2% Adani Reward Points on all international transactions.
Valet Parking
Avail 4 instances of Valet Parking using the Adani One platform with the Adani Rewards Membership Account credentials.
Porter Service
For every ₹1 lakh spent, get 2 porter services, up to 8 porter services in a year using the Adani One platform with the Adani Rewards Membership Account credentials.
Premium Car Parking
Avail 4 instances of Premium car parking on card activation using the Adani One platform with the Adani Rewards Membership Account credentials.
Milestone Benefits
Annual Fee Waiver
Renewal fee of ₹5,000 waived upon reaching an annual spend of ₹6,00,000.
Flight vouchers
Earn flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation.
Additional Features
Movie ticket discount on BookMyShow
Buy one ticket & get up to ₹500 off on the second ticket through BookMyShow. Twice every month.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹5,000 |
| Annual / Renewal Fee | ₹5,000 |
| Fee Waiver Threshold | Spend ₹6,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age > 21 years, Monthly Income > ₹ 75,000
Self-Employed
Age > 21 years, Annual Income > ₹ 9 Lakhs
Ready to apply for Adani One Signature?
Annual fee: ₹5,000 · Waived on ₹6,00,000 spend
Frequently Asked Questions
Annual fee
₹5,000
1.5% – 7% yield