Adani One Signature Credit Card
The Adani One Signature Credit Card is a great choice for people who travel often or regularly use Adani services. It has been launched by ICICI Bank in partnership with Adani Digital Labs. It has an annual fee of ₹5,000, which can be waived by spending ₹6 lakh in a year. Cardholders get ₹9,000 worth of welcome vouchers for hotels, holidays, and flights. The card also offers 7% reward points on spending within the Adani ecosystem, including airports, gas, and electricity.
It comes with free domestic and international lounge access, premium parking, valet services, porter assistance, and meet-and-greet services at Adani airports. Plus, enjoy a Buy One Get One Free offer on BookMyShow movie tickets. With these perks, this card is a great choice for travelers looking for comfort and rewards.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
Adani One ICICI Signature Credit Card – Key Features & Benefits
The Adani One ICICI Signature Credit Card is designed mainly for people who travel often or frequently use services within the Adani ecosystem. The card provides several benefits such as reward points, airport services, entertainment discounts, and travel vouchers.
This card can be useful for customers who regularly book flights, visit airports, or use services like electricity, gas, and airport parking through the Adani One platform.
Welcome Benefits for New Cardholders
New cardholders receive welcome vouchers that can help reduce travel expenses. These benefits are provided soon after the card is activated.
If you spend ₹25,000 within the first 60 days after activating the card, you receive a flight voucher worth ₹5,000. This voucher can be used to get a discount on flight bookings and does not require any minimum booking value.
Along with the flight voucher, you also receive two more vouchers after activation.
- ₹2,000 hotel booking voucher
- ₹2,000 holiday travel voucher
- Vouchers remain valid for six months
- Hotel voucher requires a minimum booking of ₹10,000
- Holiday voucher requires a booking of at least ₹20,000
These vouchers can be used on the Adani One platform.
Reward Points on Different Spending Categories
The card allows customers to earn Adani Reward Points on different types of spending. Higher reward points are offered when spending is done within the Adani ecosystem.
| Spending Type | Reward Points |
|---|---|
| Adani ecosystem spending (airports, electricity, gas, train bookings) | 7% reward points |
| International transactions | 2% reward points |
| Domestic retail spending | 1.5% reward points |
| Utility and insurance payments | 0.5% reward points |
| Fuel and rent payments | No reward points |
Reward points are credited to the primary cardholder’s Adani Rewards account within about 45 business days after the statement is generated.
Airport Benefits That Make Travel Comfortable
This credit card provides several airport benefits that help travelers enjoy a smoother journey. Cardholders get 4 free domestic airport lounge visits every quarter. These lounges provide comfortable seating, food, Wi-Fi, and a quiet space to relax before boarding.
For international travel, the card offers two complimentary international airport lounge visits every year. The card also includes Priority Pass membership, which allows access to many international lounges around the world.
Additional Airport Services
Along with lounge access, the card offers services that make airport travel more convenient. The first Meet and Greet service is available after card activation, and the second can be used after spending ₹3 lakh in a year. These services are especially helpful for people who travel regularly.
- Four premium lounge upgrades every quarter at Adani airports
- Four valet parking services every year
- Four premium car parking benefits each year
- Up to eight porter services per year depending on spending
- Two Pranaam Meet and Greet services annually
Entertainment and Movie Ticket Savings
The card also provides savings on entertainment through movie ticket bookings. When customers book movie tickets through BookMyShow, they can receive a 50% discount when purchasing at least two tickets. The maximum discount allowed is ₹500 per transaction, and this benefit can be used twice every month.
This means a cardholder can save up to ₹1,000 per month and as much as ₹12,000 in a year on movie ticket bookings.
Annual Fee Waiver Benefit
Another useful benefit of this card is the annual fee waiver option. If the cardholder spends ₹6 lakh or more in a year, the annual fee will be waived.This makes the card more valuable for customers who regularly use their credit card for travel bookings, shopping, or everyday payments.
However, EMI transactions made using the card will not be counted toward the spending requirement for the annual fee waiver.
Real Life Example of Using the Card
Let’s understand how a customer can benefit from this card in a real situation.
For example, Amit travels frequently for work and often flies from Mumbai and Ahmedabad airports. He uses the card to book flights, pay electricity bills, and make international purchases while traveling.
Because of this, he earns 7% reward points on Adani services and 2% reward points on international spending. During the year, he also uses airport lounge access, valet parking, and porter services.
Since Amit’s total yearly spending crosses ₹6 lakh, the annual fee is waived. In addition, he also saves money on movie tickets every month.
Rewards Ultra Program Benefits
The card also provides access to the Adani Rewards Ultra Program. This program offers additional lifestyle and travel benefits.
Members can get up to 15% discount on airport dining, with a maximum discount of ₹300 per transaction. Customers must request the offer before placing their order and show their valid card during billing.
Members can also get discounts of up to ₹2,000 on Nasher Miles luggage products. Some customers may also receive complimentary luggage after activating the Rewards Ultra membership.
Who Should Consider This Credit Card
This card is best suited for people who travel frequently or often use services connected to Adani airports and the Adani ecosystem.
- Frequent domestic travelers
- International travelers who use airport lounges
- Customers who use Adani services regularly
- People who want travel and airport convenience benefits
Customers who do not travel frequently may not fully use all the travel-related benefits offered by this card.
Adani One ICICI Signature Credit Card Review
In simple terms, the Adani One ICICI Signature Credit Card is a good option for travelers who want airport comfort, reward points on spending, and lifestyle benefits in one credit card. If you travel often and regularly use services within the Adani ecosystem, this credit card can help you earn rewards, enjoy airport services, and save money on travel and entertainment expenses.
Can I reapply if my ICICI Adani One Signature Card application was rejected?
Yes, you can submit a new application after six months if your previous one was declined.
Are add-on cardholders eligible for domestic airport lounge access?
Yes, they also receive access to domestic airport lounges with this card.
Is there a spending requirement for airport lounge access with the Adani One Signature Card?
No, both international and domestic airport lounges can be accessed without any spending conditions.
What is the cost to obtain the Adani One Signature Credit Card?
The joining fee for this card is ₹5,000 plus GST.
Can I get the Adani One Card if I already have an ICICI Bank Credit Card?
Yes, existing ICICI Bank Credit Cardholders are also eligible to apply.
Am I allowed to use multiple Pranaam Meet and Greet vouchers for a single booking?
No, only one Pranaam voucher can be used per booking.
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