Unbiased Review: A In-Depth Review of Adani One ICICI Platinum Credit Card – Features, Eligibility, Fees, and More

ICICI Bank has introduced some of the most distinctive credit cards in India in partnership with partners in the various industries, like the Amazon Pay ICICI Credit Card. ICICI Adani One Platinum credit card is an extension of this heritage. The features, pros, cons, and eligibility of this blog are reviewed in this blog.

Major Attributes of Adani One ICICI Platinum Credit Card

The Adani One ICICI Platinum Credit Card is a credit card to be used by consumers seeking to find greater value in everyday expenditure. The following are its main highlights:

1. Rewards Program: The credit card holders are entitled to reward points of 3% on the Adani One ecosystem, which encompass, Adani controlled Airports, Trainman, Gas, Electricity, and so on. The user will receive 1% in Adani reward points on any other domestic category of spending (except for fuel and rent payments). The international spend category offers Adani Reward points of 1.5 per cent to the user. Adani Reward points are 0.5 per cent on utility and insurance purchases made by the users.

   
   

2. Milestone Benefits: Adani One has provisions of an annual fee waiver on expenses of INR. 3,00,000 and above in a calendar year.

   
   

3. Travel Benefits: 8 Domestic lounge and premium upgrades in Adani-managed airports.

   
   

4. Movie Benefits: Customers have 25 per cent discounts up to 100 on BookMyShow after activation of cards.

   
   

5. Other Benefits: The cardholders receive a discount of up to 2.5% on fuel purchases, which can be substantial for the daily commuters.

   
   

Drawbacks of the Adani One ICICI Platinum Credit Card

While the advantages are notable, it's important to also consider the card's downsides:

1. Low Cashback Rate: The card has a low rate of cashback as compared to other credit cards.

   
   

2. Concentrated Benefits: The majority of the benefits under the case of Adani One Platinum Credit Card are related to the Adani ecosystem. This may not be as beneficial when you do not use the services of Adani frequently and travel via their airports.

   
   

3. Smaller Premium Perks: Compared to other higher-level cards, this one does not have the additional benefits, such as concierge services and all-inclusive travel insurance, which could potentially scare away frequent flyers.

   
   

Eligibility Criteria for the Adani One ICICI Platinum Credit Card

To apply the Adani One ICICI Platinum Credit Card, you should fulfill some requirements which are meant to make sure that there is responsible use of credit. Here's what you need:

1. Age Requirement: The minimum age requirement is 21 years old, and the maximum age requirement, though not stated on the site, is normally 65 years of age.

   
   

2. Minimum Income Level: There is no mention of the low level of income on the ICIC site. But the Adani One site talks about minimum income requirements of INR 2.5 lakh.

   
   

3. Credit Score: A good credit score (typically a score of over 750) is generally very important in being approved. This has, however, not been outlined on the ICICI site either.

   
   

4. Residency: Indian residents are the only ones who can apply for this credit card.

   
   

Provided that you met those requirements, please provide the required documentation, including the proof of identity, residential and income statements.

Understanding Fees and Charges Associated with the Adani One ICICI Platinum Credit Card

Being aware of the fees involved in using any credit card is vital in the proper management of finances. The following are fees that come with this card:

1. Annual Fee: INR 750 + GST. Joining fee and in succeeding years, annual fee is also INR 750 + GST.

   
   

2. Interest Rate: The interest rate is 3.40% p.m. or 40.80% p.a. There is always an attempt to pay your balance at full value to avoid such high charges.

   
   

3. Cash Withdrawal Fees: You will incur a cash withdrawal fee of some 2.5 per cent of the amount withdrawn in case of cash withdrawal (a minimum fee is charged, of course).

   
   

4. Foreign Transaction Fees: Traveler? Note that foreign purchases attract a 3.5 per cent fee based on the total purchase amount.

   
   

5. Late Payment Charges: Late payment not made may result in large late fee between INR 0 and INR 1200.

Final Thoughts

The Adani One ICICI Platinum Credit Card would be a good combination of features for people who travel by air regularly. But the would-be users have to consider the advantages and disadvantages, especially in the low cashback rate on non-Adani expenditures.

Please read the detailed review of the card and our rating of the card here:

#adani #adanione #icici #CCreview #creditcard #one

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