Adani One ICICI Bank Platinum Credit Card vs OLA Money SBI Credit Card
ICICI Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹750
Max Reward3%
SBI CardScoreVery Good
Annual Fee₹499
Max Reward7%
OLA Money SBI Credit Card leads overall with a CardCheck Score of 75/100 (+1 pts over Adani One ICICI Bank Platinum Credit Card).
4-Pillar Head-to-Head Breakdown
Adani vs OLAReward Power
35%Adani27/35
OLA35/35
OLA Wins
Fee Value & ROI
25%Adani20/25
OLA24/25
OLA Wins
Lounge & Travel
20%Adani15/20
OLA4/20
Adani Wins
Forex & Access
20%Adani12/20
OLA12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 74
- 75Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 27/35
- 35/35
- Fee Value & ROI (25%)
- 20/25
- 24/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Visa
- Mastercard
- Card type
- Co-branded
- Co-branded
- Best for
- Adani One travel bookings — flights, hotels & Adani properties
- OLA frequent riders — 7% cashback on OLA rides into OLA Money wallet
03—Fees
- Joining fee
- ₹750
- FreeBest
- Annual fee
- ₹750
- ₹499Best
- Fee waiver
- ₹1,00,000
- ₹1,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 1%Best
- Max rate
- 3%
- 7%Best
- Monthly cap
- —
- ₹500
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- 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
- 18
- 21
- Min income / month
- ₹20,000
- ₹20,000
- Min CIBIL
- 700
- 680Best
- Invite only
Rows won
02of 09
07of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74 | 75Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 27/35 | 35/35 |
| Fee Value & ROI (25%) | 20/25 | 24/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Visa | Mastercard |
| Card type | Co-branded | Co-branded |
| Best for | Adani One travel bookings — flights, hotels & Adani properties | OLA frequent riders — 7% cashback on OLA rides into OLA Money wallet |
03—Fees Differences highlighted | ||
| Joining fee | ₹750 | FreeBest |
| Annual fee | ₹750 | ₹499Best |
| Fee waiver | ₹1,00,000 | ₹1,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | 1%Best |
| Max rate | 3% | 7%Best |
| Monthly cap | — | ₹500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| 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 | 18 | 21 |
| Min income / month | ₹20,000 | ₹20,000 |
| Min CIBIL | 700 | 680Best |
| Invite only | ||
| Rows won | 02of 09 | 07of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Adani One ICICI Bank Platinum Credit Card | OLA Money SBI Credit Card |
|---|---|---|
| CardCheck Score | 74/100Very Good | 75/100Very Good |
| Annual Fee | ₹750 | ₹499 |
| Fee Waiver Spend | ₹1L/yr | ₹1L/yr |
| Max Reward Potential | 3% | 7% |
| Domestic Lounge Access | 2 / quarter | None |
| 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 OLA Money SBI Credit Card if:
Your spending aligns with ola frequent riders — 7% cashback on ola rides into ola money wallet and you prioritize SBI Card's redemption benefits.
Frequently asked questions: Adani One ICICI Bank Platinum Credit Card vs OLA Money SBI Credit Card
- Which is better: Adani One ICICI Bank Platinum Credit Card or OLA Money SBI Credit Card?
- OLA Money SBI Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 74/100 (Very Good) for Adani One ICICI Bank Platinum Credit Card (a lead of +1 points). OLA Money SBI Credit Card provides better net value across rewards and fee structures.
- 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 ₹1 Lakh for renewal fee waiver. In comparison, OLA Money SBI Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between Adani One ICICI Bank Platinum Credit Card and OLA Money SBI 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, OLA Money SBI Credit Card offers a base rate of 1% and up to 7% 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 OLA Money SBI Credit Card?
- Adani One ICICI Bank Platinum Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, OLA Money SBI Credit Card provides no complimentary domestic lounge access. 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?
- Adani One ICICI Bank Platinum Credit Card levies a foreign currency markup fee of 3.5%, while OLA Money SBI 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).