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ICICI Bank

Adani One ICICI Bank Platinum Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹750 + GST

₹750 plus GST, one time

Annual fee

₹750 + GST

What it gives back

3 Points per ₹100 spent on Adani One Ecosystem spend, 1.5 on international spend and 1 on domestic spend.

Read from 5 ICICI Bank documents, last checked 18 Oct 2026.

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How it compares

Compared with the cards we have read

₹750 annual fee: of the 273 other open cards whose annual fee we have read, 157 state a lower one, 5 state the same and 111 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

  • Annual feeJoining fee

    ₹750 + GST

  • Fee waiver rule

    Fee waived if you spend ₹3 lakh.

Welcome offer

  • Welcome benefit

    Flight vouchers worth ₹2000 on spends of ₹10,000 within 60 days of card activation

Rewards

  • Reward rate

    3 Points per ₹100 spent on Adani One Ecosystem spend, 1.5 on international spend and 1 on domestic spend.

  • Travel earning

    Earning reward points on spends across Adani-managed airports, Trainman, Adani Gas, Adani Electricity and more.

  • Utilities earning

    Earn Adani Reward Points on various spends including domestic, international and utility expenses

  • Reward exclusions

    Cash advance; Fuel transactions; Rent payments; EMI transactions, Balance Transfer (BT) or Personal Loan on Credit Card (PLCC); Gambling spends.

Card benefits

  • Domestic lounge access

    Spend ₹75,000 or more in a calendar quarter to avail the 2 lounge access benefit in the following calendar quarter.

  • Hotel or travel programme

    8 premium lounge upgrades annually; 2 instances of Valet Parking annually; 2 instances of Premium car parking on card activation.

  • Milestone benefits

    Get up to 4 Porter services in a year for every ₹1 lakh spend annually

  • Movie or entertainment ticket benefit

    25% off up to ₹100 on movie tickets on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter

Also included

  • Fuel surcharge waiver

    Avail 1% fuel surcharge waiver up to ₹4,000 on all fuel transactions at any fuel outlet

  • Surcharge on railway tickets

    1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

  • Cash advance fee

    2.5% on advanced amount, subject to minimum of ₹500

  • Interest on unpaid balance

    3.75% interest per month

  • Interest-free period

    18 to 48 days interest-free when you pay in full.

  • Late payment fee

    Ranging from ₹100–₹1,300

  • Over-limit fee

    2.50% on the over-limit amount subject to a minimum of ₹550. Over-limit facility for customer induced transactions will be provided only basis explicit consent from customer as per regulatory guideline

  • Payment return or dishonour fee

    Return of cheque: 2% of Total Amount Due, Min. ₹500; Auto-Debit return fee: 2% of Total Amount Due, Min. ₹500; in addition ₹50+GST will be debited from customer saving bank account. In case customer paid partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable

  • Card replacement fee

    ₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

  • Cash payment / cash deposit fee

    A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

  • Education / school fee charge

    A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

  • EMI conversion fee

    Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

  • Fee on online skill-based gaming spends

    A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

  • Wallet load charge

    A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

  • Fuel transaction fee

    A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

  • Rent transaction fee

    1% fee on transaction amount (Merchant Category Code: 6513)

  • Utility transaction fee

    A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

  • GST note

    GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

  • Grace days after the due date

    Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Eligibility

  • Income requirement

    Salaried: monthly income of ₹20,000; Self-employed: annual income of ₹2,40,000.

  • Minimum age

    An Indian citizen aged over 21 years.

In the terms, not the brochure (3)

  • What happens to unredeemed points if the card is closed

    If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.

  • Whether carrying a balance ends the interest-free period

    If the Total Amount Due is not paid by the payment due date + 3 days grace, then there will be no interest free period.

  • Spends that do not count toward the fee waiver

    Transactions on Credit Card for which the Equated Monthly Instalment (EMI) facility is availed, shall not be considered in calculating the total spends for waiver of the Annual Fee.

How we know - 5 documents from ICICI Bank, checked 18 Oct 2026

5 documents from ICICI Bank, checked 18 Oct 2026.

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₹750 a year

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