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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).
🏛️ICICI Bank Ltd.Network: Visa PlatinumTravel & Aviation CardsLast Verified: 2026-09-28

ICICI Adani One Platinum Credit Card

आईसीआईसीआई अडाणी वन प्लेटिनम क्रेडिट कार्ड

Entry-level airport co-branded card offering 3% rewards on Adani One, 8 domestic airport lounge visits, and 1 Pranaam meet-and-greet pass.

Annual Fee₹750 + GST (Renewal: ₹750 + GST)
Reward Rate3% Adani Reward Points on transactions inside the Adani One ecosystem (flight bookings, hotel reservations, train tickets, duty-free purchases, airport parking). 1.5% Adani Reward Points on domestic retail spends. 1% on utility and international transactions.
Airport Lounge8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at partner airport lounges.
Forex Markup3.50% + GST on foreign currency transactions.
01

What Is This Card

ICICI Adani One Platinum Credit Card is an accessible entry-to-mid travel card for flyers using Adani-operated airport terminals. It provides 3% reward points, 8 domestic airport lounge visits per year, and 1 complimentary Pranaam meet-and-greet service for an annual fee of ₹750.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹750 + GST (Renewal: ₹750 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹750 waived.

🎁Welcome Benefit

Adani One app travel and duty-free shopping vouchers worth ₹5,000 credited upon card fee payment and activation.

⚡Reward Points Structure

3% Adani Reward Points on transactions inside the Adani One ecosystem (flight bookings, hotel reservations, train tickets, duty-free purchases, airport parking). 1.5% Adani Reward Points on domestic retail spends. 1% on utility and international transactions.

Redemption Value: 1 Adani Reward Point = ₹1.00 directly redeemable for travel and airport services on the Adani One platform.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at partner airport lounges.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹50 Lakhs. Lost card liability cover up to ₹25,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: 1 complimentary Pranaam airport meet-and-greet service at Adani-managed airports. 2 complimentary airport car parking vouchers annually.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

No complimentary international airport lounge visits. Pranaam meet-and-greet service limited to 1 visit. Spend-based fee waiver requires ₹3 Lakhs annual spend.

Forex Markup Fee3.50% + GST on foreign currency transactions.
Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.
Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.
Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).
Reward Points ExpiryAdani Reward Points expire 2 years (24 months) from the date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.
04

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹35,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years
Minimum Income₹35,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
CIBIL Score NoteA credit score of 720+ is standard.
SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Adani One app or visit icicibank.com/adani-one.
2Enter PAN and mobile number for instant eligibility check.
3Select Adani One Platinum Credit Card.
4Enter employer details and monthly salary.
5Complete online Video KYC session with bank official.
6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any ICICI Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card (statutory requirement)
2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID
3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet
4. Passport-size photograph.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI Adani One Platinum Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Adani One Platinum Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Adani One Platinum Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Adani Reward Point = ₹1.00 directly redeemable for travel and airport services on the Adani One platform. Please note: Adani Reward Points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on ICICI Adani One Platinum Credit Card and how does it work?
The interest-free period on ICICI Adani One Platinum Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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