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Side-by-Side Comparison|Updated March 2026

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

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹750₹3,500
Joining Fee₹750₹6,500
Fee Waiver Spend₹3,00,000₹6,00,000
Base Reward Rate1%0.25%
Reward CurrencyAdani Reward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.5/108/10
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 Sapphiro Credit Card

  • 0% on International Spends

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 Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

Both Adani One ICICI Bank Platinum Credit Card and ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or ICICI Bank Sapphiro Credit Card?
Both Adani One ICICI Bank Platinum Credit Card and ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or ICICI Bank Sapphiro 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 Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and ICICI Bank Sapphiro 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 Sapphiro 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 Sapphiro 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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