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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs Axis Bank Kwik Credit 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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Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardAxis Bank Kwik Credit Card
Annual Fee₹750Free
Joining Fee₹750Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%0.04000000000000001%
Reward CurrencyAdani Reward PointsEDGE Reward Points
NetworkVisaRuPay
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

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

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.

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Our Verdict

Both Adani One ICICI Bank Platinum Credit Card and Axis Bank Kwik Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Adani One ICICI Bank Platinum Credit Card if

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

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or Axis Bank Kwik Credit Card?
Both Adani One ICICI Bank Platinum Credit Card and Axis Bank Kwik Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Adani One ICICI Bank Platinum Credit Card and Axis Bank Kwik Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while Axis Bank Kwik Credit Card has no annual fee. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or Axis Bank Kwik Credit 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. Axis Bank Kwik Credit Card offers 0.04000000000000001% base rewards with bonuses on Scan & Pay via Kiwi. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and Axis Bank Kwik Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and Axis Bank Kwik Credit 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 Axis Bank Kwik Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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