Vyaya
Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs HDFC Bank Equitas Excite 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
View Full Details

HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardHDFC Bank Equitas Excite Credit Card
Annual Fee₹750₹500
Joining Fee₹750₹500
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.2666666666666667%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaVisa
Editor Rating7.5/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

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

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

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.

HDFC Bank Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

Our Verdict

Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite 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 HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite 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 HDFC Bank Equitas Excite Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or HDFC Bank Equitas Excite 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. HDFC Bank Equitas Excite Credit Card offers 0.2666666666666667% base rewards with bonuses on Grocery and Utility Bills. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and HDFC Bank Equitas Excite 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 HDFC Bank Equitas Excite Credit Card?
For beginners, HDFC Bank Equitas Excite Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Adani One ICICI Bank Platinum Credit Card vs Axis Bank Vistara Credit CardHDFC Bank Equitas Excite Credit Card vs Axis Bank Vistara Credit CardAdani One ICICI Bank Platinum Credit Card vs SBI Card PRIMEHDFC Bank Equitas Excite Credit Card vs SBI Card PRIME

Explore More

Adani One ICICI Bank Platinum Credit Card Full ReviewHDFC Bank Equitas Excite Credit Card Full ReviewAll ICICI Bank CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips