Cards · ICICI Bank

Adani One ICICI Bank Signature Credit Card: rewards, caps and exclusions

The Adani One ICICI Bank Signature Credit Card pays about 7% on Participating merchants, and 1.5% on everything else. Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 9 October 2026.

₹5,000 a yearPaid in points

What it earns

≈7%Participating merchantsno cap stated

≈2%International transactionsno cap stated

≈0.5%Billsno cap stated

≈1.5%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Cash withdrawals and fees
Money transfers
Fuel
Rent
EMI conversions
Gaming
Wallet loads

What costs extra

Worse than earning nothing: ICICI Bank charges a fee for these.

1% on Rent pay, plus GST

Fees

Annual fee: ₹5,000, plus 18% GST
Joining fee: ₹5,000
Annual fee waived on ₹6,00,000 of spend in a card year

Welcome benefit: Flight voucher ₹5,000 (book on Adani OneApp) on ₹25,000 spend within 60 days of activation + Hotel voucher ₹2,000 on activation on paying the joining fee and spending ₹25,000 within 60 days.

Where this comes from

Transcribed from ICICI Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Zenidhi reads your ICICI Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works