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Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno 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.

HDFC Bank

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
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ICICI Bank

Adani One ICICI Bank Platinum Credit Card

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

FeaturePhonePe HDFC Bank Uno Credit CardAdani One ICICI Bank Platinum Credit Card
Annual Fee₹499₹750
Joining Fee₹499₹750
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate0%1%
Reward CurrencyCashPointsAdani Reward Points
NetworkRuPayVisa
Editor Rating8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

Adani One ICICI Bank Platinum Credit Card

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

Pros & Cons

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

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

Both PhonePe HDFC Bank Uno Credit Card and Adani One ICICI Bank Platinum Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose PhonePe HDFC Bank Uno Credit Card if

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

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: PhonePe HDFC Bank Uno Credit Card or Adani One ICICI Bank Platinum Credit Card?
Both PhonePe HDFC Bank Uno Credit Card and Adani One ICICI Bank Platinum 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 PhonePe HDFC Bank Uno Credit Card and Adani One ICICI Bank Platinum Credit Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or Adani One ICICI Bank Platinum Credit Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. 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 PhonePe HDFC Bank Uno Credit Card and Adani One ICICI Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno 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: PhonePe HDFC Bank Uno Credit Card or Adani One ICICI Bank Platinum Credit Card?
For beginners, PhonePe HDFC Bank Uno Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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