ICICI Bank Adani One Signature Credit Card

Annual fee

₹5,000 + GST

Joining fee

₹5,000 to join.₹5,000 + Goods and Services Tax

Fee waiver rule

Fee waived if you spend ₹6 lakh.

Welcome benefit

Flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation

Reward rate

7 Points per ₹100 spent on Adani One Ecosystem spend, 2 on international spend and 1.5 on domestic spend.

Insurance spend earningUtilities earning

Utility and Insurance: 0.5 Adani OneApp Rewards on every ₹100 spent.

Reward earning on international spends

2 Points on every ₹100 international spend.

Reward exclusions

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

Cashback redemption

Your reward points will be credited to your Adani OneApp in the form of Adani OneApp Rewards at the end of the billing cycle.

International lounge access

2 complimentary international airport lounge accesses per year.

Domestic lounge access

Spend ₹75,000 or more in a spends quarter to avail the 4 lounge accesses benefit in the following calendar quarter.

Priority Pass

Complimentary Priority Pass Membership for the primary cardholder.

Hotel or travel programme

Get exclusive Hotel vouchers worth ₹2,000

Hotel or travel programme

16 Premium Lounge upgrades annually; 4 instances of Valet Parking annually; 4 instances of Premium car parking on card activation.

Milestone benefits

Second Pranaam service on spends of ₹3 lakh; for every ₹1 lakh spent, get 2 porter services, up to 8 porter services in a year

Renewal benefit

If the total spending on the Credit Card is less than 6,00,000 during an Anniversary Year, the Annual Fee applicable on the Credit Card for the subsequent year shall not be reversed and the Primary Cardholder will get the same joining benefits

Benefit given each anniversary year

Exclusive benefits of 2 Pranaam, 8 Porter and 8 car parking (Premium and Valet) services annually, at Adani managed airports

Movie or entertainment ticket benefit

Buy One Get One on BookMyShow up to ₹500 off twice a month, on eligible spendings of ₹25,000 or more in the preceding spends quarter

Minimum spend rules

A customer who has paid their joining or annual fee and completed spends of ₹25,000 (not including joining/annual fee, interest or bank levies) within 60 days of card activation

Fuel surcharge waiver

Avail 1% fuel surcharge waiver 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

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 to ₹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

₹100 for all cards. Exception: ₹199 for ICICI Bank Expressions Credit Card; ₹3500 for Emeralde Private Metal Credit Card; ₹3500 for Times Black 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

1% of the transaction amount for fuel transactions exceeding ₹10,000.

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)

Income requirement

Salaried: monthly income of ₹75,000; Self-employed: annual income of ₹9,00,000.

Minimum age

An Indian citizen over 21 years of age.