Bandhan Bank Sparks Credit Card vs Adani One ICICI Bank Platinum Credit Card
Bandhan Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Bandhan BankScoreGood
Annual Fee₹499
Max Reward0.25%
ICICI BankScoreVery Good
Annual Fee₹750
Max Reward3%
Adani One ICICI Bank Platinum Credit Card leads overall with a CardCheck Score of 72/100 (+10 pts over Bandhan Bank Sparks Credit Card).
4-Pillar Head-to-Head Breakdown
Bandhan vs AdaniReward Power
35%Bandhan15/35
Adani27/35
Adani Wins
Fee Value & ROI
25%Bandhan24/25
Adani18/25
Bandhan Wins
Lounge & Travel
20%Bandhan11/20
Adani15/20
Adani Wins
Forex & Access
20%Bandhan12/20
Adani12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 62
- 72Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 15/35
- 27/35
- Fee Value & ROI (25%)
- 24/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 15/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Bandhan Bank
- ICICI Bank
- Network
- Mastercard
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Everyday shopping with accelerated rewards on grocery and apparel
- Adani One travel bookings — flights, hotels & Adani properties
03—Fees
- Joining fee
- FreeBest
- ₹750
- Annual fee
- ₹499Best
- ₹750
- Fee waiver
- ₹50,000Best
- ₹3,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- ₹1,100Best
- ₹1,200
- Cash advance fee
- 3.5%
- 2.5%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.25%
- 0.5%Best
- Max rate
- 0.25%
- 3%Best
- Points / ₹100
- 1
- 1
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 2Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹20,833
- ₹20,000
- Invite only
Rows won
06of 11
05of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 62 | 72Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 15/35 | 27/35 |
| Fee Value & ROI (25%) | 24/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Bandhan Bank | ICICI Bank |
| Network | Mastercard | Visa |
| Card type | Regular | Co-branded |
| Best for | Everyday shopping with accelerated rewards on grocery and apparel | Adani One travel bookings — flights, hotels & Adani properties |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹750 |
| Annual fee | ₹499Best | ₹750 |
| Fee waiver | ₹50,000Best | ₹3,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | ₹1,100Best | ₹1,200 |
| Cash advance fee | 3.5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.25% | 0.5%Best |
| Max rate | 0.25% | 3%Best |
| Points / ₹100 | 1 | 1 |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 2Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹20,833 | ₹20,000 |
| Invite only | ||
| Rows won | 06of 11 | 05of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Bandhan Bank Sparks Credit Card | Adani One ICICI Bank Platinum Credit Card |
|---|---|---|
| CardCheck Score | 62/100Good | 72/100Very Good |
| Annual Fee | ₹499 | ₹750 |
| Fee Waiver Spend | ₹50,000/yr | ₹3L/yr |
| Max Reward Potential | 0.25% | 3% |
| Domestic Lounge Access | 1 / quarter | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Bandhan Bank Sparks Credit Card if:
Your spending centers around everyday shopping with accelerated rewards on grocery and apparel and you want direct partner rewards with Bandhan Bank.
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending aligns with adani one travel bookings — flights, hotels & adani properties and you prioritize ICICI Bank's redemption benefits.
Popular Comparisons for Bandhan Bank Sparks Credit Card
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Frequently asked questions: Bandhan Bank Sparks Credit Card vs Adani One ICICI Bank Platinum Credit Card
- Which is better: Bandhan Bank Sparks Credit Card or Adani One ICICI Bank Platinum Credit Card?
- Adani One ICICI Bank Platinum Credit Card holds a higher overall rating with a CardCheck Score of 72/100 (Very Good) compared to 62/100 (Good) for Bandhan Bank Sparks Credit Card (a lead of +10 points). Adani One ICICI Bank Platinum Credit Card gains its scoring lead primarily through reward potential (27 vs 15) and lounge & travel privileges (15 vs 11) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Bandhan Bank Sparks Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between Bandhan Bank Sparks Credit Card and Adani One ICICI Bank Platinum Credit Card?
- Bandhan Bank Sparks Credit Card offers a base reward rate of 0.25% and up to 0.25% on accelerated partner categories. Meanwhile, Adani One ICICI Bank Platinum Credit Card offers a base rate of 0.5% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Bandhan Bank Sparks Credit Card or Adani One ICICI Bank Platinum Credit Card?
- Bandhan Bank Sparks Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, Adani One ICICI Bank Platinum Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year).
- Which card is better for international foreign currency spends?
- Bandhan Bank Sparks Credit Card levies a foreign currency markup fee of 3.5%, while Adani One ICICI Bank Platinum Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).