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 SignatureTravel & Aviation CardsLast Verified: 2026-09-28

ICICI Adani One Signature Credit Card

आईसीआईसीआई अडाणी वन सिग्नेचर क्रेडिट कार्ड

Airport ecosystem card offering 7% rewards on Adani One, 16 domestic & 4 international lounge visits, and 2 Pranaam meet-and-greet passes.

Annual Fee₹5,000 + GST (Renewal: ₹5,000 + GST)

Reward Rate7% Adani Reward Points on all transactions inside the Adani ecosystem via the Adani One app (flight bookings, hotel reservations, train tickets, duty-free shopping, airport parking). 2% Adani Reward Points on domestic retail spends. 1.5% on utility and international spends.

Airport Lounge16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 4 complimentary international lounge visits per calendar year via DreamFolks dragonpass.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

ICICI Adani One Signature Credit Card is India's first airport ecosystem co-branded credit card. Designed for frequent flyers transiting through Adani-managed airports (Mumbai, Ahmedabad, Lucknow, Jaipur, Guwahati, Mangaluru, Thiruvananthapuram), it delivers 7% reward points, 16 domestic and 4 international lounge visits, and 2 complimentary Pranaam meet-and-greet services.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹5,000 + GST (Renewal: ₹5,000 + GST)

Fee Waiver: Spend ₹6,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹5,000 waived.

🎁Welcome Benefit

Flight, hotel, and duty-free shopping vouchers worth ₹9,000 on the Adani One app platform credited upon payment of the joining fee.

⚡Reward Points Structure

7% Adani Reward Points on all transactions inside the Adani ecosystem via the Adani One app (flight bookings, hotel reservations, train tickets, duty-free shopping, airport parking). 2% Adani Reward Points on domestic retail spends. 1.5% on utility and international spends.

Redemption Value: 1 Adani Reward Point = ₹1.00 directly redeemable for flight, hotel, duty-free, and parking bookings on the Adani One app.

🛫Airport & Railway Lounge Access

16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 4 complimentary international lounge visits per calendar year via DreamFolks dragonpass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical cover up to ₹15 Lakhs. Lost card liability cover up to ₹50,000.

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: 2 complimentary airport meet-and-greet services (Pranaam Service) at Adani-managed airports (Mumbai, Ahmedabad, Lucknow, Jaipur, Guwahati, Thiruvananthapuram, Mangaluru). 4 complimentary valet parking passes per year.

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

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Maximum value is unlocked only for passengers frequently traveling through Adani-operated airport hubs. Adani reward points must be redeemed inside Adani One app. Annual spend fee waiver requires ₹6 Lakhs spend. Forex markup is 3.50%.

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.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹12,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

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 Signature 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 by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

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

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 Form 16 OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI Adani One Signature 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 Signature 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 Signature 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 flight, hotel, duty-free, and parking bookings on the Adani One app. 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 Signature Credit Card and how does it work?

The interest-free period on ICICI Adani One Signature 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.

← Back to Complete Credit Cards Directory View All ICICI Bank Ltd. Products & Loans →