Adani One ICICI Bank Signature Credit Card
The Adani One ICICI Bank Signature is the premium tier of the Adani One co-brand, aimed at the frequent Adani-airport traveller. It earns 7 Adani Reward Points per ₹100 at ICICI's listed participating merchants — on ICICI's own published list, the retail and food outlets inside Adani-managed airports — plus 2 per ₹100 on international spends and 1.5 on other domestic spend. An Adani Reward Point redeems at about ₹1 inside the Adani One app, so ICICI's "up to 7%" headline is literal, and the 1.5 base is a real 1.5%. Utilities and insurance drop to 0.5 per ₹100; fuel, rent, cash, EMI and wallet loads earn nothing. The travel kit is genuinely premium: a ₹5,000 flight voucher on ₹25,000 of spend in 60 days plus a ₹2,000 hotel voucher on activation, 2 Pranaam meet-and-greet services a year, 4 valet and 4 premium car-parking instances, 8 porter services, up to 16 domestic lounge visits a year (4 a quarter, gated behind ₹75,000/quarter spend since 1 Jul 2026) and 2 international visits, plus a BookMyShow offer. The ₹5,000 fee waives at ₹6 lakh — but note that a waived fee also cancels the joining vouchers. The catch is liquidity, not rate: every point is trapped in one app.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,000 in vouchers, points or cashback on card activation
7% on Travel
7 Adani Reward Points per ₹100 (~7% at ₹1/point) at ICICI's listed participating merchants inside Adani-managed airports
2% on International
2 Adani Reward Points per ₹100 (~2%) on international spends
️ Airport Lounge Access
4 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹5,000 + 18% GST (₹5,900 all-in)/yr fully waived when you spend ₹6,00,000/year
24x7 Concierge
At Adani-managed airports — 2 Pranaam meet-and-greet services a year (1 on activation, 1 at ₹3 lakh spend), 4 valet and 4 premium car-parking instances, 8 porter services (2 per ₹1 lakh up to ₹4 lakh) and 4 premium lounge upgrades a quarter
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹500/month
Movie Ticket Benefit
50% off up to ₹500 on a minimum of 2 BookMyShow tickets, twice a month, gated behind ₹25,000 of spend in the previous quarter (gate w.e.f. 15 Jan 2026)
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 7% | — |
| International | reward points | 2% | — |
| Other | reward points | 1.5% | — |
| Utility Bills | reward points | 0.5% | — |
| Insurance | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,900 |
| Joining fee (incl. 18% GST) | ₹5,900 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹500 |
Perks & benefits
Estimated annual value beyond rewards — ~₹25,500/yr in total.
️ lounge access ~ ₹16,000 /yr
Up to 16 domestic lounge visits a year (4 per quarter, gated behind ₹75,000/quarter spend since 1 Jul 2026) plus 2 complimentary international visits a year
concierge ~ ₹6,000 /yr
At Adani-managed airports — 2 Pranaam meet-and-greet services a year (1 on activation, 1 at ₹3 lakh spend), 4 valet and 4 premium car-parking instances, 8 porter services (2 per ₹1 lakh up to ₹4 lakh) and 4 premium lounge upgrades a quarter
movie ticket ~ ₹3,000 /yr
50% off up to ₹500 on a minimum of 2 BookMyShow tickets, twice a month, gated behind ₹25,000 of spend in the previous quarter (gate w.e.f. 15 Jan 2026)
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on fuel transactions up to ₹4,000 at any outlet, applied on fuel spends up to ₹50,000 per statement cycle
Should you get it?
Best for: Frequent flyers through Adani-managed airports, Premium spenders whose travel routes through the Adani ecosystem
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 7% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 7 Adani Reward Points per ₹100 at Adani-airport merchants — a genuine 7% at ₹1 a point
- 1.5 points per ₹100 base and 2 on international spends, both real percentages
- Pranaam service, valet parking and up to 16 domestic lounge visits a year
- ₹7,000 of joining vouchers (₹5,000 flight plus ₹2,000 hotel)
✕ Cons
- Points redeem only inside the Adani One app — no transfer, no statement credit, no cash-out
- Accrued points are forfeited if the card is closed or not renewed
- The 7-point accelerator applies at merchants inside Adani-managed airports, not to Adani Gas or Adani Electricity bills, which earn the 0.5 utility rate
- Taking the ₹6 lakh fee waiver cancels that year's joining vouchers
- Lounge and movie perks gated behind ₹75,000 and ₹25,000 of quarterly spend
Eligibility & documents
Age
21 –60 years
Min. income
₹75,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Adani One app: flights, hotels, duty-free, cabs, parking and holidays, with 100% of a booking payable in points. (₹1.00/point)
🎁 Use the ₹5,000 welcome flight voucher and ₹2,000 hotel voucher toward Adani One bookings
What your ICICI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST 1 RP = ₹0.40 against the statement — ICICI's only published rate
Amazon / Flipkart vouchers BEST Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate
iShop flights & hotels BEST iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value
The concern The points are a closed loop. They redeem only inside the Adani One app, cannot be transferred or cashed out, and are forfeited entirely if the card lapses or is closed — so a ₹5,000 fee buys a rate you may not be able to spend. The lounge gate (₹75k/quarter) and the fact that taking the fee waiver cancels the joining vouchers both cut the same way.
The bottom line
The numbers on this card hold up considerably better than its reputation might suggest. At a ₹1-per-point valuation, the 7-per-₹100 rate at Adani-airport merchants is a real 7%, and the 1.5 base rate is a real 1.5% — figures that stack up well against any premium card — and the Pranaam service, valet parking and up to 16 lounge visits are all genuine benefits. What holds it back isn't the earn rate but the currency itself: points work only within the Adani One app and disappear if the card is closed, which makes this a fit specifically for travellers whose journeys regularly pass through Adani terminals.
Sources & verification
Fees, reward rates, and benefits for the Adani One ICICI Bank Signature Credit Card are taken from ICICI Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 13 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · 4 changes · last change Jul 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 3 cuts
▼ Lounge Observed 10 Apr 2026 · Effective 1 Jul 2026
Airport lounge access gated behind ₹75,000/quarter spend
Complimentary, no spend requirement (4 domestic visits/quarter) → ₹75,000/quarter spend required
The Adani One co-brands sat outside ICICI's November 2024 Gemstone lounge-gate and kept unconditional lounge access through 2025. From 1 July 2026 ICICI brought the co-branded cards — the Adani One Signature and Platinum and the MakeMyTrip card — under the same rule: the up-to-16 domestic lounge visits a year now require ₹75,000 of eligible spend in the previous quarter (rent, education, government, fees, EMIs and redemptions excluded). It turned the card's marquee travel perk from unconditional into spend-gated.
Verification: CardAdvisor Research · Confidence: High
▼ Benefit Observed 17 Dec 2025 · Effective 1 Apr 2026
BookMyShow movie benefit becomes spend-gated
Complimentary buy-one-get movie offer, twice a month → Requires ₹25,000 spend in the previous quarter
Under ICICI's 15 Jan 2026 revision (first gated quarter Apr-Jun 2026) the Signature's BookMyShow movie offer — 50% off up to ₹500 on a minimum of two tickets — is unlocked only if the cardholder spent at least ₹25,000 in the preceding spends quarter (for example, ₹25,000 spent 26 Mar–25 Jun 2026 unlocks the offer for 1 Jul–30 Sep 2026). One offer per month per network variant. It moved a previously unconditional perk behind a quarterly spend gate.
Verification: ICICI Bank ↗ · Confidence: High
▼ Fee Observed 17 Dec 2025 · Effective 15 Jan 2026
New wallet, gaming and DCC transaction fees
No wallet-load / gaming / DCC surcharge → Wallet-load, gaming and ~1% dynamic-currency-conversion fees apply
As part of ICICI's portfolio-wide January 2026 revision, new transaction fees were added across ICICI credit cards, the Adani One Signature included — a fee on wallet loads and gaming/online-gaming spends, and a dynamic-currency-conversion (DCC) fee of about 1% on international transactions billed in rupees. These are card-fee changes, separate from the Adani Reward Points earn structure.
Verification: CardAdvisor Research · Confidence: Reconstructed
2024 1 change — 1 neutral
◆ Launch Effective 3 Jun 2024
Adani One ICICI Signature Credit Card launched
Adani One, ICICI Bank and Visa launched India's first credit cards with airport-linked benefits on 3 June 2024, in two variants — the premium Signature (₹5,000 fee) and the Platinum. The Signature earns up to 7 Adani Reward Points per ₹100 across the Adani ecosystem (Adani airports, Trainman, Adani Gas and Electricity, the Adani One app), redeemable inside Adani One, and ships with a genuine premium travel kit: a ₹5,000 flight voucher welcome, 2 Pranaam meet-and-greet services, valet and premium parking, up to 16 domestic lounge visits a year (4 a quarter, then unconditional) plus 2 international, and a BookMyShow buy-one-get offer.
Verification: ICICI Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Premium credit card
Reward rate 1.5%–7%
Best for Frequent flyers through Adani-managed airports
Joining fee ₹5,000
Annual fee ₹5,000
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 13 Aug 2026
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