ICICI Bank
Adani One Signature
The Adani One Signature is a premium travel card offering a massive 7% reward rate on the Adani One ecosystem and unlimited international lounge access. While the ₹5,000 fee is steep, the inclusion of elite airport services like Pranaam Meet & Greet and valet parking makes it an unbeatable luxury tool for those frequenting Adani-managed terminals.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 31 May 2026.
At a Glance
Annual Fee
₹5,000
Joining Fee
₹5,000
Fee Waiver
Spend ₹6,00,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
1.5% – 7%
Our Take
The Adani One Signature is a premium travel card offering a massive 7% reward rate on the Adani One ecosystem and unlimited international lounge access. While the ₹5,000 fee is steep, the inclusion of elite airport services like Pranaam Meet & Greet and valet parking makes it an unbeatable luxury tool for those frequenting Adani-managed terminals.Designed for the "airport-centric" traveler, this card justifies its fee through high-touch services rather than just points. Beyond the 7% back on flights and duty-free, the real value lies in the 8 annual porter services and 16 domestic lounge visits (4 per quarter). However, an unbiased review must note the 2026 "activation friction": many premium perks, including the second Pranaam service, now only unlock after hitting a ₹3 lakh spend milestone. With a ₹6 lakh annual fee waiver and a 1.5% base reward rate that excludes rent and fuel, it’s a powerhouse for Adani loyalists but offers diminishing returns for general spenders.
Pros
- Elite Airport Service Bundle: Provides a massive suite of 'ground' perks at Adani-managed airports, including 2 complimentary Pranaam Meet & Greet services, 8 Porter services, and 8 Premium/Valet parking instances per year. For a frequent business traveler, these services alone can save hours of friction.
- Market-Leading 7% Ecosystem Rewards: Earns a flat 7% in Adani Reward Points (1 RP = ₹1) on spends within the Adani One app (flights, hotels) and across Adani-managed airports (Duty-Free, F&B). This is one of the highest direct-value reward rates for a co-branded travel card.
- High-Value Welcome 'Profit': Upon paying the ₹5,000 joining fee and spending ₹25,000 within 60 days, you unlock vouchers worth ~₹9,000 (including a ₹5,000 flight voucher and ₹2,000 hotel/holiday vouchers). This effectively makes the card 'net-positive' in the first year.
- Generous Lounge & Upgrade Quota: Offers 16 domestic lounge visits per year (4 per quarter) and 2 international visits. Unique to this card, it also includes 4 complimentary 'Premium Lounge Upgrades' per quarter, allowing access to more exclusive airport zones.
- Strong Lifestyle & Movie Perks: Features a 'Buy One Get One' offer on BookMyShow (50% off up to ₹500, twice a month). Combined with a 3-month EazyDiner Prime membership, it balances its heavy travel focus with solid weekend entertainment value.
Cons
- High Spend Requirement for Waiver: The annual fee waiver is set at ₹6 Lakhs. For a card with a ₹5,000 fee, this is a relatively high bar compared to the HDFC Regalia Gold or SBI Elite, especially since the card's best rewards are 'locked' to a specific ecosystem.
- Fragmented Redemption Utility: While 1 RP = ₹1, the points can *only* be redeemed on the Adani One platform (flights, hotels, or airport services). You cannot convert these points into statement credit or transfer them to airline partners like Singapore Airlines or Club Vistara.
- Poor Base & Utility Rates: Outside the Adani ecosystem, the reward rate drops to 1.5% for general spends and a measly 0.5% for Utilities and Insurance. This makes it a poor 'primary' card for non-travelers or those living in cities without Adani-managed infrastructure.
- Airport-Specific Benefits: The Porter, Valet, and Meet & Greet services are only valid at Adani-managed airports (like Mumbai, Ahmedabad, Lucknow, etc.). If you primarily fly out of Delhi (DIAL) or Bengaluru (BIAL), the card loses 70% of its 'Signature' value.
- High Foreign Markup: At 3.5% + GST, this card is not designed for international spending. Despite the 'Signature' branding and 2% reward rate on forex, you will still end up losing money on every international transaction compared to low-forex alternatives.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Adani Ecosystem (Accelerated) | 7 Adani Reward Points (ARP) per ₹100 | 7.00% | No Upper Cap |
| International Spends | 2 ARP per ₹100 | 2.00% | No Upper Cap |
| Other Domestic Retail Spends | 1.5 ARP per ₹100 | 1.50% | No Upper Cap |
| Insurance & Utility (Non-Adani) | 0.5 ARP per ₹100 | 0.50% | ₹40,000 spend each |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.3 Lakh | Flight Voucher0 pts | ₹5,000 Voucher | Awarded if ₹25,000 is spent within the first 60 days of card issuance. |
| ₹3 Lakh | Pranaam Service0 pts | 1 Meet & Greet Service | Unlocks 1 additional Pranaam service (Domestic) per year at this spend level. |
| ₹1 Lakh | Porter Service0 pts | 2 Porter Services | 2 domestic porter services for every ₹1 Lakh spent (Max 8 services per year). |
| ₹6 Lakh | Fee Waiver0 pts | ₹5,000 + GST Savings | Annual fee waived for the next year upon hitting ₹6 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Adani One Platform | ₹1.00 per point1:1 Ratio | Best Value (Directly adjust points against flight/hotel/bill totals) |
What You Need to Know
New Lounge Spend Gate (2026)
Effective July 1, 2026, domestic lounge access requires a spend of ₹75,000 in the previous quarter.
Impact: Requires an average monthly spend of ₹25,000 to keep the lounge perk active.
The 7% Utility Loophole
Electricity and Gas bills earn 7% ONLY when paid through the Adani One app.
Impact: Users should shift all home bills to the app to maximize this high-yield category.
Voucher Usage Floor
The ₹5,000 Flight Voucher is typically valid only on bookings above ₹10,000.
Impact: Cannot be used for 'free' short-haul flights; best for long-distance or family bookings.
BMS Spend Threshold
Movie benefits (BOGO) now require a minimum spend of ₹25,000 in the previous quarter.
Impact: Casual cardholders who don't reach this target will pay full price for tickets.
Essential Fine Print
Reward Exclusions
Excluded Spends: Fuel, EMI transactions, and wallet loading are excluded from earning reward points.
Government and Rent: Transactions related to rent payments and government services do not earn rewards.
Welcome Offer
Pranaam Services
Get 2 Pranaam services, one on card activation and the second on spends of ₹3 lakh annually.
Welcome Vouchers
Get exclusive Hotel vouchers worth ₹2,000
Flight Vouchers
Earn flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation.
Lounge Access
Domestic Lounge Access
The Primary Cardholder can avail 4 complimentary domestic airport lounge accesses per quarter.
International Lounge Access
The Primary Cardholder can avail 2 complimentary international airport lounge accesses per year.
Premium Lounge Upgrades
Enjoy 16 Premium Lounge upgrades at Adani-managed and operated airports.
Travel Benefits
Adani One Ecosystem Rewards
Earn 7% Adani Reward Points on spends made through the Adani One app (flights, hotels, Duty Free, etc.).
International Spend Rewards
Earn 2% Adani Reward Points on all international transactions.
Valet Parking
Avail 4 instances of Valet Parking using the Adani One platform with the Adani Rewards Membership Account credentials.
Porter Service
For every ₹1 lakh spent, get 2 porter services, up to 8 porter services in a year using the Adani One platform with the Adani Rewards Membership Account credentials.
Premium Car Parking
Avail 4 instances of Premium car parking on card activation using the Adani One platform with the Adani Rewards Membership Account credentials.
Milestone Benefits
Annual Fee Waiver
Renewal fee of ₹5,000 waived upon reaching an annual spend of ₹6,00,000.
Flight vouchers
Earn flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation.
Additional Features
Movie ticket discount on BookMyShow
Buy one ticket & get up to ₹500 off on the second ticket through BookMyShow. Twice every month.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹5,000 |
| Annual / Renewal Fee | ₹5,000 |
| Fee Waiver Threshold | Spend ₹6,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age > 21 years, Monthly Income > ₹ 75,000
Self-Employed
Age > 21 years, Annual Income > ₹ 9 Lakhs
Ready to apply for Adani One Signature?
Annual fee: ₹5,000 · Waived on ₹6,00,000 spend
Annual fee
₹5,000
1.5% – 7% yield