Adani One ICICI Bank Signature vs IndiGo Axis Bank Premium Credit Card (2026)
The answer flips at ₹0.5L a month: IndiGo Axis Bank Premium Credit Card below it, Adani One ICICI Bank Signature above.
Head to head
| Adani One ICICI Bank Signature | Metric | IndiGo Axis Bank Premium Credit Card |
|---|---|---|
| #48 — wins this row | Our rank | #51 |
| ₹5,000/yr | Fee — joining · annual (+ GST) | ₹5,000/yr |
| ₹6,00,000 spend | Fee waiver | None |
| 3.5% + GST | Forex markup | 2.5% + GST — wins this row |
| 3.75%/mo (45%/yr) | APR | not published |
| 1.5% — wins this row | Headline earn rate | 1.0% |
| Adani Reward Points | Currency | IndiGo BluChip |
| ₹1.00/pt | House value | ₹0.50/pt |
| ₹5,000 flight + ₹2,000 hotel vouchers (flight voucher on ₹25k spend within 60 days) | Welcome benefit | 5,000 IndiGo BluChips + a 6E Eats voucher on fee payment — still doubled to 10,000 BluChips for anyone applying through 31 Aug 2026; the 5,000 BluChips repeat on every renewal |
| 726 of 789 | Lounge doors opened | 731 of 789 — wins this row |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Adani One ICICI Bank Signature and IndiGo Axis Bank Premium Credit Card are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IndiGo Axis Bank Premium Credit Card wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Where the lead changes hands
The lead changes hands at ₹0.5L a month: IndiGo Axis Bank Premium Credit Card is ahead by ₹3,080 at ₹0.25L, Adani One ICICI Bank Signature by ₹30,900 at ₹5L.
IndiGo Axis Bank Premium Credit Card pays 4 annual spend milestones, the first at ₹2,00,000 a year, and Adani One ICICI Bank Signature pays none; IndiGo Axis Bank Premium Credit Card pays a renewal bonus whatever you spend, and Adani One ICICI Bank Signature pays nothing to stay.
Adani One ICICI Bank Signature draws above the line, IndiGo Axis Bank Premium Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Adani One ICICI Bank Signature | IndiGo Axis Bank Premium Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹820 | ₹3,900 | IndiGo Axis Bank Premium Credit Card by ₹3,080 |
| ₹0.5L | ₹11,640 | ₹10,300 | Adani One ICICI Bank Signature by ₹1,340 |
| ₹0.75L | ₹17,460 | ₹16,700 | Adani One ICICI Bank Signature by ₹760 |
| ₹1L | ₹23,280 | ₹23,100 | Adani One ICICI Bank Signature by ₹180 |
| ₹1.25L | ₹29,100 | ₹27,000 | Adani One ICICI Bank Signature by ₹2,100 |
| ₹1.5L | ₹34,920 | ₹30,900 | Adani One ICICI Bank Signature by ₹4,020 |
| ₹1.75L | ₹40,740 | ₹34,800 | Adani One ICICI Bank Signature by ₹5,940 |
| ₹2L | ₹46,560 | ₹38,700 | Adani One ICICI Bank Signature by ₹7,860 |
| ₹2.25L | ₹52,380 | ₹42,600 | Adani One ICICI Bank Signature by ₹9,780 |
| ₹2.5L | ₹58,200 | ₹46,500 | Adani One ICICI Bank Signature by ₹11,700 |
| ₹2.75L | ₹64,020 | ₹50,400 | Adani One ICICI Bank Signature by ₹13,620 |
| ₹3L | ₹69,840 | ₹54,300 | Adani One ICICI Bank Signature by ₹15,540 |
| ₹3.25L | ₹75,660 | ₹58,200 | Adani One ICICI Bank Signature by ₹17,460 |
| ₹3.5L | ₹81,480 | ₹62,100 | Adani One ICICI Bank Signature by ₹19,380 |
| ₹3.75L | ₹87,300 | ₹66,000 | Adani One ICICI Bank Signature by ₹21,300 |
| ₹4L | ₹93,120 | ₹69,900 | Adani One ICICI Bank Signature by ₹23,220 |
| ₹4.25L | ₹98,940 | ₹73,800 | Adani One ICICI Bank Signature by ₹25,140 |
| ₹4.5L | ₹1,04,760 | ₹77,700 | Adani One ICICI Bank Signature by ₹27,060 |
| ₹4.75L | ₹1,10,580 | ₹81,600 | Adani One ICICI Bank Signature by ₹28,980 |
| ₹5L | ₹1,16,400 | ₹85,500 | Adani One ICICI Bank Signature by ₹30,900 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Adani One ICICI Bank Signature · 1 more →
- Points are closed-loop — spendable only inside the Adani One app, no transfers, no cash
- Domestic lounges gated behind ₹75k of prior-quarter spend
- 3.5% forex markup — no reason to take it abroad
IndiGo Axis Bank Premium Credit Card · 4 more →
- ₹5,000 fee with no spend waiver — you buy it back only with heavy IndiGo spend
- 1% general earn once you leave IndiGo channels
- 2.5% forex markup — better than the ₹799 sibling but still not a travel card's number
The call
For the ₹1L/month spender, Adani One ICICI Bank Signature nets ₹23,280 against ₹23,100 — a ₹180 gap. At ₹5L/month, Adani One ICICI Bank Signature nets ₹1,16,400 against ₹85,500 — a ₹30,900 gap. Lounge chasers: IndiGo Axis Bank Premium Credit Card opens 731 of 789 tracked doors to Adani One ICICI Bank Signature's 726.
Our standing verdicts: Adani One ICICI Bank Signature — Downgrade; IndiGo Axis Bank Premium Credit Card — Downgrade. On our board, Adani One ICICI Bank Signature sits at #48 to IndiGo Axis Bank Premium Credit Card's #51 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Adani One ICICI Bank Signature or IndiGo Axis Bank Premium Credit Card?
Adani One ICICI Bank Signature. It sits at #48 on our board to IndiGo Axis Bank Premium Credit Card's #51. Adani One ICICI Bank Signature takes 5 of the 7 rounds we can score. IndiGo Axis Bank Premium Credit Card wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Adani One ICICI Bank Signature or IndiGo Axis Bank Premium Credit Card — which earns more at ₹3L a month?
At ₹3L a month, Adani One ICICI Bank Signature nets ₹69,840 against ₹54,300 — a ₹15,540 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Adani One ICICI Bank Signature or IndiGo Axis Bank Premium Credit Card?
They cost the same to get: ₹5,000/yr. Adani One ICICI Bank Signature waives its fee at ₹6,00,000 of spend; IndiGo Axis Bank Premium Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, Adani One ICICI Bank Signature or IndiGo Axis Bank Premium Credit Card?
Lounge chasers: IndiGo Axis Bank Premium Credit Card opens 731 of 789 tracked doors to Adani One ICICI Bank Signature's 726. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Adani One ICICI Bank Signature on 2026-08-05, IndiGo Axis Bank Premium Credit Card on 2026-08-15. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.