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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs ICICI Bank NRI Coral 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 NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardICICI Bank NRI Coral Credit Card
Annual Fee₹750₹500
Joining Fee₹750₹1,000
Fee Waiver Spend₹3,00,000₹1,50,000
Base Reward Rate1%0.125%
Reward CurrencyAdani Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.5/107/10
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 NRI Coral Credit Card

No accelerated rewards listed

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 NRI Coral Credit Card

Pros

  • Earn 2 Reward Points for every ₹100 spent on retail transactions.
  • 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
  • 25% discount up to ₹100 on movie tickets via BookMyShow and INOX twice monthly.
  • 15% savings on dining bills at over 2,500 partner restaurants via ICICI Culinary Treats.

Cons

  • High quarterly spend requirement of ₹75,000 for lounge access.
  • Low reward redemption value of ₹0.25 per point.
  • No international lounge access included.

Our Verdict

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

Ideal for NRIs who frequently visit India and want to earn rewards on local spends and enjoy dining/movie perks.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or ICICI Bank NRI Coral Credit Card?
Adani One ICICI Bank Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Coral 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 NRI Coral Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while ICICI Bank NRI Coral 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. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or ICICI Bank NRI Coral 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 NRI Coral Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and ICICI Bank NRI Coral 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 NRI Coral 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 NRI Coral Credit Card?
For beginners, ICICI Bank NRI Coral 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.

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