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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Adani One ICICI Bank Platinum Credit Card

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

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardAdani One ICICI Bank Platinum Credit Card
Annual FeeFree₹750
Joining FeeFree₹750
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsAdani Reward Points
NetworkVisaVisa
Editor Rating8.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Adani One ICICI Bank Platinum Credit Card

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

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

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.

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Adani One ICICI Bank Platinum Credit Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and Adani One ICICI Bank Platinum Credit Card?
Kotak Infinite Credit Card has no annual fee, while Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Adani One ICICI Bank Platinum Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Adani One ICICI Bank Platinum Credit Card offers 1% base rewards with bonuses on Adani One Ecosystem and Utility & Insurance. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Adani One ICICI Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Adani One ICICI Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Adani One ICICI Bank Platinum Credit Card?
For beginners, Kotak Infinite Credit 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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