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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs Emirates Skywards ICICI Bank Emeralde 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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ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardEmirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee₹750₹10,000
Joining Fee₹750₹10,000
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencyAdani Reward PointsSkywards Miles
NetworkVisaVisa
Editor Rating7.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

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

Emirates Skywards ICICI Bank Emeralde Credit Card

  • 2.5% on Emirates Bookings

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.

Emirates Skywards ICICI Bank Emeralde Credit Card

Pros

  • Unlimited domestic and international lounge access for the primary cardholder.
  • Complimentary Emirates Skywards Silver Tier membership providing priority check-in and boarding.
  • High reward rate of 2.5 Skywards Miles per ₹100 on all spends (except exclusions).
  • Generous movie benefit with Buy 1 Get 1 up to ₹750 off, 4 times a month.

Cons

  • High annual fee of ₹10,000 with no specified spend-based waiver.
  • High foreign currency markup of 3.5% despite being a premium travel card.
  • Miles are primarily valuable only for Emirates loyalists.

Our Verdict

Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit 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 Emirates Skywards ICICI Bank Emeralde Credit Card if

Silver Tier status and high mile earn rate on Emirates bookings make it highly rewarding for loyalists.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit 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 Emirates Skywards ICICI Bank Emeralde Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while Emirates Skywards ICICI Bank Emeralde Credit Card has an annual fee of ₹10,000. 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 Emirates Skywards ICICI Bank Emeralde 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. Emirates Skywards ICICI Bank Emeralde Credit Card offers 1% base rewards with bonuses on Emirates Bookings. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and Emirates Skywards ICICI Bank Emeralde 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 Emirates Skywards ICICI Bank Emeralde Credit Card?
For beginners, Adani One ICICI Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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