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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs Apollo SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
NetworkVisa
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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardApollo SBI Card
Annual Fee₹750₹499
Joining Fee₹750₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaMastercard
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or Apollo SBI Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Adani One ICICI Bank Platinum Credit Card and Apollo SBI Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while Apollo SBI Card has an annual fee of ₹499. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or Apollo SBI Card?
Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 1% with accelerated rewards on Adani One Ecosystem and Utility & Insurance. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Adani One ICICI Bank Platinum Credit Card or Apollo SBI Card?
For beginners, Apollo SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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