HDFC Bank UPI RuPay Credit Card vs Adani One ICICI Bank Platinum Credit Card
HDFC Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹99
Max Reward3%
ICICI BankScoreVery Good
Annual Fee₹750
Max Reward3%
Adani One ICICI Bank Platinum Credit Card leads overall with a CardCheck Score of 74/100 (+7 pts over HDFC Bank UPI RuPay Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs AdaniReward Power
35%HDFC27/35
Adani27/35
Tie (27/35)
Fee Value & ROI
25%HDFC24/25
Adani20/25
HDFC Wins
Lounge & Travel
20%HDFC4/20
Adani15/20
Adani Wins
Forex & Access
20%HDFC12/20
Adani12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 67
- 74Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 27/35
- 27/35
- Fee Value & ROI (25%)
- 24/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 15/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- ICICI Bank
- Network
- RuPay
- Visa
- Card type
- Regular
- Co-branded
- Best for
- UPI power users — earn credit card rewards on UPI QR payments
- Adani One travel bookings — flights, hotels & Adani properties
03—Fees
- Joining fee
- ₹99Best
- ₹750
- Annual fee
- ₹99Best
- ₹750
- Fee waiver
- ₹25,000Best
- ₹1,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- —
- ₹1,200
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%Best
- 0.5%
- Max rate
- 3%
- 3%
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 2Best
- Intl lounge / year
- 0
- 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 age
- 21
- 18
- Min income / month
- ₹15,000
- ₹20,000
- Min CIBIL
- 650Best
- 700
- Invite only
Rows won
06of 08
02of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67 | 74Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 27/35 | 27/35 |
| Fee Value & ROI (25%) | 24/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | ICICI Bank |
| Network | RuPay | Visa |
| Card type | Regular | Co-branded |
| Best for | UPI power users — earn credit card rewards on UPI QR payments | Adani One travel bookings — flights, hotels & Adani properties |
03—Fees Differences highlighted | ||
| Joining fee | ₹99Best | ₹750 |
| Annual fee | ₹99Best | ₹750 |
| Fee waiver | ₹25,000Best | ₹1,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42%Best | 45% |
| Late payment fee | — | ₹1,200 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1%Best | 0.5% |
| Max rate | 3% | 3% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 2Best |
| Intl lounge / year | 0 | 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 age | 21 | 18 |
| Min income / month | ₹15,000 | ₹20,000 |
| Min CIBIL | 650Best | 700 |
| Invite only | ||
| Rows won | 06of 08 | 02of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank UPI RuPay Credit Card | Adani One ICICI Bank Platinum Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 74/100Very Good |
| Annual Fee | ₹99 | ₹750 |
| Fee Waiver Spend | ₹25,000/yr | ₹1L/yr |
| Max Reward Potential | 3% | 3% |
| Domestic Lounge Access | None | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank UPI RuPay Credit Card if:
Your spending centers around upi power users — earn credit card rewards on upi qr payments and you want direct partner rewards with HDFC 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.
Frequently asked questions: HDFC Bank UPI RuPay Credit Card vs Adani One ICICI Bank Platinum Credit Card
- Which is better: HDFC Bank UPI RuPay 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 74/100 (Very Good) compared to 67/100 (Good) for HDFC Bank UPI RuPay Credit Card (a lead of +7 points). Adani One ICICI Bank Platinum Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank UPI RuPay Credit Card charges an annual fee of ₹99 with an annual spend threshold of ₹25,000 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 ₹1 Lakh.
- How do the reward rates and cashback compare between HDFC Bank UPI RuPay Credit Card and Adani One ICICI Bank Platinum Credit Card?
- HDFC Bank UPI RuPay Credit Card offers a base reward rate of 1% and up to 3% 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: HDFC Bank UPI RuPay Credit Card or Adani One ICICI Bank Platinum Credit Card?
- HDFC Bank UPI RuPay Credit Card provides no complimentary domestic lounge access. On the other hand, Adani One ICICI Bank Platinum Credit Card provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank UPI RuPay 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).