M16S / ICICI Bank / Adani One ICICI Bank Signature Credit Card
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Adani One ICICI Bank Signature Credit Card
The Adani One ICICI Bank Signature Credit Card costs Rs 5,000 a year, waived if you spend Rs 6,00,000 in a year. It earns 1.5 Adani Reward Points per Rs 100 domestic. Accelerated earn: 7 Adani Reward Points per Rs 100 in the Adani One ecosystem; 2 per Rs 100 international. The forex markup is 3.5%. Lounge visits in India: 4 per quarter. Abroad: 2 per year via Priority Pass, primary only. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 5,000+ GST
- Fee waived at
- Rs 6,00,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- ICICI cards lose air accident cover and INOX, fees rise, Dec 2026
From 15 December 2026, ICICI Bank ends air accident cover on 7 cards, CFAR cover on 4 and the INOX benefit on 9. Card replacement goes to Rs 300 plus GST from 11 December.
- ICICI Bank ends lounge spend exemption on Adani One Signature and MakeMyTrip, Jul 2026
The exemption from the Rs 75,000 quarterly spend condition for domestic lounge access ran till 30 Jun 2026. From 1 Jul 2026 both cards need that spend in a calendar quarter to unlock lounges in the next one. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank ties BookMyShow benefit to Rs 25,000 quarterly spend, Apr 2026
From 1 Apr 2026 the BookMyShow benefit on these cards needs Rs 25,000 of spend in the previous spends quarter. Spends from 26 Dec 2025 to 25 Mar 2026 unlock April to June 2026. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank adds fees on wallet loads, gaming and transport, Jan 2026
From 15 Jan 2026 ICICI Bank charges 1% on wallet loads of Rs 5,000 or more, 2% on skill-based gaming and 1% on transportation transactions above Rs 50,000. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank raises Dynamic Currency Conversion fee, Jan 2026
From 15 Jan 2026 statements the DCC fee on rupee transactions abroad is 3.50% on most cards, up from 1%. It is 2.00% on Emeralde Private Metal and Emeralde, 1.99% on Amazon Pay and 1.49% on Times Black. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank drops rent, government and education spends from fee waiver, Nov 2024
From 15 Nov 2024 rent, government and education payments no longer count toward the spend threshold for annual fee reversal and milestone benefits. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank adds 1% fee on fuel, utility and education payments, Nov 2024
From 15 Nov 2024 ICICI Bank charges 1% on fuel transactions above Rs 10,000, 1% on utility payments above Rs 50,000 and 1% on education payments made through third-party apps. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank stops reward points on rent and wallet loads, Feb 2024
From 5 Feb 2024 rent pay and e-wallet loading transactions earn no reward points on ICICI Bank credit cards. The Amazon Pay ICICI Bank card is exempt. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank moves government payments into the utility category, Feb 2024
From 5 Feb 2024 government transactions count as utility payment transactions on ICICI Bank credit cards, so they follow the utility earn rules and caps. The Amazon Pay ICICI Bank card is exempt. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 5,000 |
|---|---|
| Annual fee | Rs 5,000 |
| Annual spend that waives the fee | Rs 6,00,000 |
| Fee notes | Add-on Rs 199. |
Rewards
| Welcome benefit | Flight voucher Rs 5,000 on Rs 25,000 spend within 60 days of activation (fee-paid cards only); hotel vouchers Rs 2,000 |
|---|---|
| Reward currency | Adani Reward Points |
| Base earn | 1.5 Adani Reward Points per Rs 100 domestic |
| Accelerated earn | 7 Adani Reward Points per Rs 100 in the Adani One ecosystem; 2 per Rs 100 international |
| Spends that earn nothingunverified | No reward points on rent (MCC 6513), per MITC. Other exclusions not confirmed. |
| Milestone benefits | Second Pranaam meet-and-greet service on Rs 3 lakh annual spend |
| Reward notes | Points credit to the Adani One app at the end of each billing cycle. Rupee value per point not found on issuer page, so base return not computed. Adani press release (Jun 2024) describes rates as 'up to 7%' and 'up to 2%', implying roughly Rs 1 per point; unconfirmed. |
Travel and perks
| Domestic lounge | 4 per quarter |
|---|---|
| International lounge | 2 per year via Priority Pass, primary only |
| Lounge conditions | Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter, from 1 Jul 2026 (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on fuel txns up to Rs 4,000 at any pump |
| Other freebies | Pranaam service on activation; porter 2 per Rs 1 lakh spent (max 8 a year); valet 4 a year; premium car parking 4 a year; BookMyShow buy-one-get-one up to Rs 500 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000) |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Age 21+; salaried Rs 75,000 a month; self-employed Rs 9,00,000 a year |
| Fine-print notes | Airport services apply at Adani-managed airports. Card T&C PDF blocked to automated readers. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts. |
Questions
- What is the annual fee of the Adani One ICICI Bank Signature Credit Card?
- Rs 5,000 a year, before GST. It is waived if you spend Rs 6,00,000 in a year.
- Does the Adani One ICICI Bank Signature Credit Card give airport lounge access?
- Yes. In India: 4 per quarter. Outside India: 2 per year via Priority Pass, primary only. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter, from 1 Jul 2026 (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
- What is the forex markup on the Adani One ICICI Bank Signature Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Adani One ICICI Bank Signature Credit Card?
- No reward points on rent (MCC 6513), per MITC. Other exclusions not confirmed.