Adani One ICICI Bank Signature vs IndiGo Axis Bank Premium Credit Card (2026)
IndiGo Axis Bank Premium Credit Card vs Adani One ICICI Bank Signature: which wins?
₹69,840ranking value a year at ₹3L a month, to Adani One ICICI Bank Signature
Skip the duel — the board, ranked → · nothing to sign up for
The answer flips at ₹0.5L a month: IndiGo Axis Bank Premium Credit Card below it, Adani One ICICI Bank Signature above.
IndiGo Axis Bank Premium Credit Card wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Every metric, row by row — 10 compared
Head to head
| Adani One ICICI Bank Signature | Metric | IndiGo Axis Bank Premium Credit Card |
|---|---|---|
| #64 — wins this row | Our rank | #68 |
| ₹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. Dynamic currency conversion markup 2.5% since 28 August 2026, up from 1.5% — the card's own revision notice stops at 2.5%, matching its foreign-currency markup, not the bank-wide 3.5%. — 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 — the flight voucher needs ₹25k of spend within 60 days AND a joining fee to have been charged, so a waived year forfeits it | Welcome benefit | 5,000 IndiGo BluChips + a 6E Eats voucher on fee payment — doubled to 10,000 BluChips on applications made between 1 Jun and 31 Aug 2026; the 5,000 BluChips repeat on every renewal |
| 735 of 793 — wins this row | Lounge doors opened | 667 of 793 |
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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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 — a 20-step sweep from ₹0.25L to ₹5L/month
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 — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Adani One ICICI Bank Signature · 3 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
- Win the ₹6L fee waiver and you LOSE the flight voucher — the T&C says so outright
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: Adani One ICICI Bank Signature opens 735 of 793 tracked doors to IndiGo Axis Bank Premium Credit Card's 667.
Our standing verdicts: Adani One ICICI Bank Signature — Downgrade; IndiGo Axis Bank Premium Credit Card — Downgrade. Adani One ICICI Bank Signature takes 6 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Adani One ICICI Bank Signature or IndiGo Axis Bank Premium Credit Card?
Adani One ICICI Bank Signature. Adani One ICICI Bank Signature takes 6 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: Adani One ICICI Bank Signature opens 735 of 793 tracked doors to IndiGo Axis Bank Premium Credit Card's 667. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-09-03. 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.
Verified against ICICI Bank and Axis Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 12 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)
- official IndiGo Axis Bank Premium product page — 7/3/2 BluChips per ₹100, 5,000-BluChip welcome AND a 5,000-BluChip renewal voucher every year on fee payment
- official IndiGo Axis Bank Premium customer T&C — section 7 caps the BookMyShow buy-one-get-one at "a maximum discount of Rs. 250 per month"
- official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — IndiGo Axis Bank Premium joining ₹5,000 / annual ₹5,000 with NO spend-based fee waiver (the ₹3,50,000 waiver on the same)
- official IndiGo — Axis co-brand loyalty partner page
- community CardInsider — ₹5,000 fee, 7/3/2 earn, 5,000 welcome, milestones, lounge, 2.5% forex
- official Axis's own Double-welcome-bonus offer T&C — the window is 1 Jun to 31 Aug 2026, paying 2 × 5,000 BluChips plus the 6E Eats voucher on joining-fee payment
- official Axis's card-specific revision notice — DCC 1.5% → 2.5% and a ₹1,300 top late-payment slab from 28 Aug 2026, and a ₹25,000 prior-3-month spend gate on the BookMyShow BOGO from 1 Nov
- community LiveFromALounge (20 Jul 2026) — read the launch 2x window as 1–31 Jul 2026; superseded by Axis's own offer T&C, which runs it 1 Jun to 31 Aug 2026