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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One Card vs ICICI Bank Platinum Identity Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Burgundy Private - The One Card

9.5/10
Annual FeeFree
Base Rewards0.30000000000000004%
NetworkVisa
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ICICI Bank

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardICICI Bank Platinum Identity Credit Card
Annual FeeFree₹750
Joining FeeFree₹2,000
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.30000000000000004%0.25%
Reward CurrencyEDGE Reward PointsHand-picked Rewards
NetworkVisaVisa
Editor Rating9.5/107/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Burgundy Private - The One Card

Pros

  • Zero forex markup and zero cash withdrawal charges globally
  • Unlimited domestic and international lounge access for primary and add-on members
  • 12 complimentary guest visits per year for airport lounges
  • Complimentary premium hotel memberships: Club Marriott, Accor Plus, and Taj Epicure

Cons

  • Extremely high eligibility barrier requiring ₹5 Crore TRV
  • Reward points excluded on fuel, utilities, government, and gold spends
  • Welcome bonus of 30,000 points discontinued as of April 2024

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Our Verdict

Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Burgundy Private - The One Card if

Best-in-class lifestyle and travel benefits with zero transaction fees and high-value hotel memberships.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Frequently Asked Questions

Which is better: Axis Bank Burgundy Private - The One Card or ICICI Bank Platinum Identity Credit Card?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Burgundy Private - The One Card and ICICI Bank Platinum Identity Credit Card?
Axis Bank Burgundy Private - The One Card has no annual fee, while ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or ICICI Bank Platinum Identity Credit Card?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. ICICI Bank Platinum Identity Credit Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and ICICI Bank Platinum Identity Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and ICICI Bank Platinum Identity Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Burgundy Private - The One Card or ICICI Bank Platinum Identity Credit Card?
For beginners, Axis Bank Burgundy Private - The One Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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