Adani One ICICI Bank Signature
DowngradeGreat lounges, points trapped inside an airport app.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: ₹5,000 flight + ₹2,000 hotel vouchers — the flight voucher needs ₹25k of spend within 60 days AND a joining fee to have been charged, so a waived year forfeits it
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹32,000 a month
At ₹32,000 a month — ₹3,84,000 a year — on the everyday mix this card returns ₹5,000 gross (earn ₹5,000) against its ₹5,000 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
The Adani One Signature earns 1.5 Adani Reward Points per ₹100 on everything — 7 inside the Adani One app — and at the official 1 point = ₹1 that is a real 1.5%. The catch is where the points go: back into the Adani ecosystem only — flights, hotels and airport services at Adani-run terminals — with no transfers and no cash-out. The lounge stack is the actual reason to hold it: four domestic visits a quarter (16 a year, gated at ₹75,000 of prior-quarter spend) plus two international via Priority Pass, with ₹7,000 of first-year vouchers and a ₹5,000 fee that waives at ₹6L. If you fly through Adani's airports the closed loop is livable; if you don't, you are collecting frequent-flyer miles for an airline you will never board. 3.5% forex seals it as a home card. Downgrade for most wallets.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹5,000/yr at stake · 5 spend bands
The charge ₹5,000/yr
The waiver ₹6,00,000 of spend in the year before renewal — about ₹50,000 a month — and the renewal fee is not charged.
Break-even ₹32,000 a month — ₹3,84,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,100 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,900 a year, net of the fee, at ₹6,00,000 of annual spend
₹15,700 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹47,200 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹78,600 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ICICI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 10 Sep 2026 ICICI's September lounge list drops four doors and adds Bhogapuram issuer-wide
- 29 Aug 2026 ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in issuer-wide
- 1 Jul 2026 ICICI's lounge-gate exemption expires for Adani One and MakeMyTrip issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1.5 Adani Reward Points/₹100 everywhere, 7 inside the Adani One app (1 point = ₹1)
- 16 domestic lounge visits a year + 2 international via Priority Pass
- ₹7,000 of first-year flight and hotel vouchers
- BookMyShow buy-one-get-one twice every month, up to ₹500 off the second ticket
- Fee waived at ₹6L annual spend
Watch out
- Points are closed-loop — spendable only inside the Adani One app, no transfers, no cash
- Domestic lounges gated behind ₹75k of prior-quarter spend
- Win the ₹6L fee waiver and you LOSE the flight voucher — the T&C says so outright
- Utilities and insurance earn 0.5 per ₹100, a third of the domestic rate, and the product page never says so
- 3.5% forex markup — no reason to take it abroad
- Value collapses if you don't use Adani airports and services
What these points actually fly
No live transfer route takes Adani Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 4 pay zero
Earns Adani Reward Points (1 point = ₹1, closed loop). 1.5/₹100 general, 7/₹100 inside the Adani One app, 2/₹100 international. ICICI 5-Feb-2024 bank-wide exclusions (rent, wallet) apply. UTILITIES AND INSURANCE ARE PUBLISHED, not inferred — clause 4 of the card's own T&C (signature-credit-card.pdf) carries a fourth earn row the product page omits, "Utility and Insurance — 0.5", so those two rules quote a rate. Fuel is the MITC's surcharge-waiver-instead-of-points treatment; government and telecom remain ICICI-bucket inference — community mapping where the card page is silent.
- Fuel · excluded Zero points; 1% surcharge waiver on fuel txns — community mapping, flag
- Rent & property management · excluded Zero points (ICICI-wide 6513/7349, 5-Feb-2024); 1% rent fee applies
- Wallet loads · excluded Zero points; ICICI-wide wallet-load exclusion (5-Feb-2024)
- Utilities (electricity/water/gas) · reduced 0.5 Adani Reward Points/₹100 vs 1.5 Adani Reward Points/₹100 on ordinary retail — clause 4 of the card T&C
Does your spend count toward the fee waiver?
not published — and we say which
₹6,00,000 a year is the bar that waives the ₹5,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. ICICI Bank states what the Adani One ICICI Bank Signature earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹6,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
735 of 793 tracked doors
Gate: ₹75k prior-quarter spend
Opens 735 of 793 tracked lounge doors across 294 airports , via Priority Pass India, Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
ICICI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official ICICI Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining and annual fee ₹5,000, waived at ₹6L annual spend. Domestic lounge access needs ₹75k prior-quarter spend. Full 3.5% forex. ICICI publishes no income/age criteria in the MITC — not published.
per the official ICICI Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 10 Sept 2026ICICI's September lounge list drops four doors and adds BhogapuramThe prior edition opened Bhubaneswar's landside Bird Lounge, Vadodara's Premium Lounge, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge, and filed Ahmedabad T2 international as The Lounge opposite Gate 3 → Those four rooms are gone. Bhubaneswar keeps O'Vetra near Gate 8, Dehradun keeps Carnations in the security hold, Vadodara is off the list, and Visakhapatnam's rows are Encalm domestic and international at Bhogapuram. Ahmedabad T2 international is Adani Silver Lounge - International, Gate 08, and it is not asterisked
ICICI re-saved its consolidated domestic lounge list on 10 September 2026 and moved rooms, not quotas. Four doors an Annexure-1 card used to open are off the list: Bhubaneswar's landside Bird Lounge (O'Vetra, airside near Gate 8, stays), Vadodara entirely, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge (Carnations, in the security hold, stays). Visakhapatnam's replacement is two Encalm rooms at Bhogapuram, which this map does not carry yet — the airport is not in our coordinate file, so those doors are recorded here and not drawn. Ahmedabad's T2 international row is no longer The Lounge opposite Gate 3. It is Adani Silver Lounge - International, first floor, Gate 08, and the row has no asterisk, so the whole Annexure-1 board gets it at each card's own quarterly quota rather than the three unlimited cards alone. Noida's three Jewar rows are still on the PDF and still unmapped.
- 29 Aug 2026ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in
- 29 Jul 2026Times Black publishes its eligibility bar and swaps BLADE for Thumby Aviation
- 1 Jul 2026ICICI's lounge-gate exemption expires for Adani One and MakeMyTripAdani One ICICI Signature, Adani One ICICI Platinum and the MakeMyTrip ICICI Bank Credit Card were exempt from the ₹75,000-per-quarter spend gate on complimentary domestic lounge access — "valid till Jun 30, 2026" → All three now "require spends of ₹ 75,000 to be made in a calendar quarter to unlock airport lounge access in the next calendar quarter, with effect from Jul 01, 2026"
ICICI's MITC, headed "Last updated on Aug 2nd, 2026", carries the expiry date inside the exemption list itself and then restates it as a dated instruction below. No lounge visit is removed — MakeMyTrip keeps 2 domestic a quarter plus 1 international, Adani One Signature 4 a quarter plus 2 Priority Pass, Adani One Platinum 2 a quarter — but all of them now cost ₹3 lakh of routed annual spend on top of the fee, which reprices the ₹750 Adani One Platinum hardest. The ₹75,000 excludes rent, government, education, EMI, fees, interest, DCC and reversals, and the qualifying quarter is offset (26th to 25th), so the spend that unlocks Oct-Dec was made between 26 June and 25 September. Worth flagging for the desk: ICICI's own "Upcoming changes to Credit Card features and charges" page, re-read 28 August 2026, still lists MakeMyTrip among the exempt cards with no expiry, and never names the Adani One pair at all. Two live ICICI documents, two different answers; the MITC is the regulated one and the more recently dated, so it is the one we follow.
- 1 Feb 2026ICICI gates its BookMyShow movie perk behind quarterly spend
- 15 Jan 2026ICICI caps transport rewards and excludes rent, tax, fuel spends
- 15 Nov 2024ICICI's November purge: rewards, lounges and 1% fees
- 5 Feb 2024ICICI stops rewards on rent and wallet loads
Every ICICI Bank change we've dated → 10 events since 2019, 7 of them nerfs — worst year 2026.
Verified against ICICI Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — 7 Adani Reward Points/₹100 "On Adani One Ecosystem Spend", 2 on international, 1.5 on domestic
- official Card T&C — the full earn table including the utilities and insurance row at 0.5 per ₹100, and the fee waiver that cancels the flight voucher
- official MITC (last updated 2 Aug 2026) — ₹5,000 joining + ₹5,000 annual, fee reversal at ₹6,00,000; 3.50% forex mark-up (no Adani exception)
- official Launch press release (with Visa)