Adani One ICICI Bank Platinum Credit Card

Lounge access

• 2 complimentary domestic airport lounge accesses per quarter (swipe the card to avail).
• Additionally: 2 premium domestic lounge upgrade benefits per quarter (on card activation) at Adani-managed and operated airports.
• Effective Jul 1, 2026, the general ICICI complimentary domestic lounge criteria requiring spends of ₹75,000 in a calendar quarter to unlock next-quarter access apply to this card.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Forex markup

• Mark-up of 3.50% on foreign currency transactions.
• A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – ICICI Bank Credit Cards (covers Adani One ICICI Bank Platinum Credit Card) · 2026-08-02 · source

Charge

• Finance charges (revolving credit, retail & cash advances): 3.75% per month i.e. 45% per annum (APR same for retail purchases, balance transfer, cash advances, non-payment of minimum due, late payment) w.e.f. Nov 15, 2024.
• Cash advance transaction fee: 2.5% on advanced amount (min ₹500).
• Card replacement fee: ₹100 (current) / ₹200 (w.e.f. Jul 1, 2024).
• Dynamic Currency Conversion fee: 1% current / 3.5% w.e.f. Jan 15, 2026.
• Rent Pay: 1% of transaction amount.
• Fuel transaction fee: 1% on fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction fee: 1% on utility payments exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction fee: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment: 1% on education payments via third-party apps (w.e.f. Nov 15, 2024).
• Skill-Based Gaming: 2% (w.e.f. Jan 15, 2026).
• Wallet Load: 1% on wallet load of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Over-limit charges: 2.50% of over-limit amount (min ₹550).
• Fee on cash payment at branches: ₹100 (current) / ₹150 (w.e.f. Jan 15, 2026).
• Supplementary/Add-On Card fee: ₹199 (annual, w.e.f. Nov 15, 2024).
• Railway booking surcharge: 1.80% for Internet transactions and 2.50% for other bookings.
• Late payment charges: None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-Debit return fee: 2% of Total Amount Due (min ₹500) plus ₹50 + GST.
• GST at 18% applies on all fees, interest, surcharge and other charges.

Verified · ICICI Bank Credit Card – Most Important Terms & Conditions (MITC), updated Jul 2 2026 · 2026-08-02 · source

Interest-free period

• The interest free period could range from 18 to 48 days.
• A grace period of 3 days is given after the payment due date.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – ICICI Bank Credit Cards (covers Adani One ICICI Bank Platinum Credit Card) · 2026-08-02 · source

Fuel surcharge waiver

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

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Milestone benefit

• BookMyShow: 25% off up to ₹100 on purchase of a minimum of 2 movie tickets, twice every month.
• Effective Jan 15, 2026, to enjoy the BookMyShow offer you must spend ₹25,000 or more in the preceding quarter (e.g., spend ₹25,000 between Dec 26, 2025 and Mar 25, 2026 to enjoy the offer in Apr-Jun 2026).
• Cycle repeats every quarter.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – ICICI Bank Credit Cards (covers Adani One ICICI Bank Platinum Credit Card) · 2026-08-02 · source

Redemption value

• Redemption Handling Fee (plus GST) on ICICI Bank Rewards Scheme: ₹99 per redemption request.
• Reward points credited to rewards account within 5 working days from statement generation.
• Reward points have expiry of 36 months from the date of issuance.
• For Adani Reward Points on this card: added to the Primary Cardholder's Adani Rewards Membership Account within 45 business days of Statement generation, provided the account is not delinquent or cancelled.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Reward cap

• For MakeMyTrip capping table this card is not listed.
• For other cards, Adani reward points earned are rounded down to the nearest integer and are added to the Primary Cardholder's Adani Rewards Membership Account within 45 business days of Statement generation, provided the account is not delinquent or cancelled.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Reward exclusion

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Dining benefit

Get 25% off up to ₹100 on the purchase of a minimum of 2 movie tickets, twice every month through BookMyShow.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Hotel benefit

• Hotel voucher worth ₹1,000 on activation of the Credit Card.
• Voucher-linked discount given on a minimum transaction amount of ₹5,000.
• Must be booked using the Adani One platform with Adani Rewards Membership Account credentials.
• Adani One ICICI Bank Credit Card must be used for balance payment.
• Voucher valid for 6 months from date of activation.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Travel benefit

• Airport-linked services at Adani managed/operated airports: Porter Service 4 times a year (2 services on every ₹1 lakh spent until a total of ₹2 lakh is spent).
• 2 Premium car parking services per year (100% discount, 24-hour booking) on card activation.
• 2 Valet car parking services per year (100% discount, 24-hour booking) on card activation.
• 2 Premium domestic lounge upgrade benefits per quarter on card activation.
• Flight ticket voucher is non-refundable.
• Must be booked via Adani One platform.

Verified · Adani One ICICI Bank Platinum Credit Card – Card-Specific Terms & Conditions · 2026-08-02 · source

Insurance

• ICICI Bank offers free insurance cover on certain cards through a tie-up with ICICI Lombard General Insurance Company Limited (or other insurer as decided by ICICI Bank).
• The insurer is responsible for claims.
• Claims queries to be taken up directly with ICICI Lombard (Toll-Free 1800-2666).

Verified · ICICI Bank Credit Card – Most Important Terms & Conditions (MITC), updated Jul 2 2026 · 2026-08-02 · source

Eligibility

• The Credit Card is issued solely for personal use.
• Any usage that appears to be for business or commercial purposes (including frequent or high-value transactions inconsistent with typical personal usage) may be deemed a breach of the authorised end-use of the Card.

Verified · ICICI Bank Credit Card – Most Important Terms & Conditions (MITC), updated Jul 2 2026 · 2026-08-02 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card.

Verified · Adani One ICICI Bank Platinum Credit Card product page · 2026-08-02 · source