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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs ICICI Bank HPCL Platinum 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

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardICICI Bank HPCL Platinum Credit Card
Annual Fee₹750₹199
Joining Fee₹750₹199
Fee Waiver Spend₹3,00,000₹50,000
Base Reward Rate1%0.5%
Reward CurrencyAdani Reward PointsICICI Bank Rewards
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

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

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.

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

Our Verdict

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

Strong fuel savings at HPCL pumps for a very low annual fee.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or ICICI Bank HPCL Platinum Credit Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL 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 ICICI Bank HPCL Platinum Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or ICICI Bank HPCL Platinum 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. ICICI Bank HPCL Platinum Credit Card offers 0.5% base rewards with bonuses on Fuel at HPCL. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and ICICI Bank HPCL Platinum 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 ICICI Bank HPCL Platinum Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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