Adani One ICICI Bank Platinum Credit Card vs CRED IndusInd Bank RuPay Credit Card
ICICI Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹750
Max Reward3%
IndusInd BankScoreVery Good
Annual Fee₹499
Max Reward5%
Even Match: Both cards tie with an identical CardCheck Score of 72/100.
4-Pillar Head-to-Head Breakdown
Adani vs CREDReward Power
35%Adani27/35
CRED34/35
CRED Wins
Fee Value & ROI
25%Adani18/25
CRED22/25
CRED Wins
Lounge & Travel
20%Adani15/20
CRED4/20
Adani Wins
Forex & Access
20%Adani12/20
CRED12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 72
- 72
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 27/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 22/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- IndusInd Bank
- Network
- Visa
- RuPay
- Card type
- Co-branded
- Co-branded
- Best for
- Adani One travel bookings — flights, hotels & Adani properties
- Online shopping and UPI transactions with CRED app
03—Fees
- Joining fee
- ₹750
- FreeBest
- Annual fee
- ₹750
- ₹499Best
- Fee waiver
- ₹3,00,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 45%Best
- 47.4%
- APR (max)
- 45%Best
- 47.4%
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 3%
- 5%Best
- Points / ₹100
- 1
- —
- Point value
- —
- ₹1
- Monthly cap
- —
- ₹5,000
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Lounge spend criteria
- No spend condition
- —
- 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
- ₹20,000
- ₹20,000
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 72 | 72 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 27/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 22/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | IndusInd Bank |
| Network | Visa | RuPay |
| Card type | Co-branded | Co-branded |
| Best for | Adani One travel bookings — flights, hotels & Adani properties | Online shopping and UPI transactions with CRED app |
03—Fees Differences highlighted | ||
| Joining fee | ₹750 | FreeBest |
| Annual fee | ₹750 | ₹499Best |
| Fee waiver | ₹3,00,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 45%Best | 47.4% |
| APR (max) | 45%Best | 47.4% |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 3% | 5%Best |
| Points / ₹100 | 1 | — |
| Point value | — | ₹1 |
| Monthly cap | — | ₹5,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Lounge spend criteria | No spend condition | — |
| 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 | ₹20,000 | ₹20,000 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Adani One ICICI Bank Platinum Credit Card | CRED IndusInd Bank RuPay Credit Card |
|---|---|---|
| CardCheck Score | 72/100Very Good | 72/100Very Good |
| Annual Fee | ₹750 | ₹499 |
| Fee Waiver Spend | ₹3L/yr | No waiver |
| Max Reward Potential | 3% | 5% |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending centers around adani one travel bookings — flights, hotels & adani properties and you want direct partner rewards with ICICI Bank.
Choose CRED IndusInd Bank RuPay Credit Card if:
Your spending aligns with online shopping and upi transactions with cred app and you prioritize IndusInd Bank's redemption benefits.
Popular Comparisons for Adani One ICICI Bank Platinum Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for CRED IndusInd Bank RuPay Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Adani One ICICI Bank Platinum Credit Card vs CRED IndusInd Bank RuPay Credit Card
- Which is better: Adani One ICICI Bank Platinum Credit Card or CRED IndusInd Bank RuPay Credit Card?
- Both Adani One ICICI Bank Platinum Credit Card and CRED IndusInd Bank RuPay Credit Card tie with an identical CardCheck Score of 72/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer ICICI Bank's or IndusInd Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 with an annual spend threshold of ₹3 Lakh for renewal fee waiver. In comparison, CRED IndusInd Bank RuPay Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Adani One ICICI Bank Platinum Credit Card and CRED IndusInd Bank RuPay Credit Card?
- Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 0.5% and up to 3% on accelerated partner categories. Meanwhile, CRED IndusInd Bank RuPay Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Adani One ICICI Bank Platinum Credit Card or CRED IndusInd Bank RuPay Credit Card?
- Adani One ICICI Bank Platinum Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). On the other hand, CRED IndusInd Bank RuPay Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Adani One ICICI Bank Platinum Credit Card levies a foreign currency markup fee of 3.5%, while CRED IndusInd Bank RuPay 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).