Adani One ICICI Bank Signature Credit Card vs ICICI Emeralde Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Adani One ICICI Bank Signature Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Adani One ICICI Bank Signature Credit Card (₹5000/yr) vs ICICI Emeralde Credit Card (₹12000/yr).
- Base Reward Rate: Adani One ICICI Bank Signature Credit Card (1 pts/₹100) vs ICICI Emeralde Credit Card (4 pts/₹100).
- Lounge Access: Adani One ICICI Bank Signature Credit Card (4 dom) vs ICICI Emeralde Credit Card (Unlimited dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1ICICI Bank · fee waived
2ICICI Bank · fee ₹12,000
Smart verdict
Get the Adani One ICICI Bank Signature Credit Card — it earns you +₹5,832/yr over the ICICI Emeralde Credit Card, mostly from your utilities & bills spend.
Why the winner can show fewer rewards: recurring rewards are only one part of net value. Adani One ICICI Bank Signature Credit Card is ahead after adding milestone benefits and subtracting the effective annual fee; compare those three lines before choosing a card.
How Your Spends Convert to Rewards
Live calculation breakdown for Adani One ICICI Bank Signature Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 1 Pts / ₹100 | 60 pts720 pts/yr | ₹24 | ₹288/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1 Pts / ₹100 | 35 pts420 pts/yr | ₹14 | ₹168/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1 Pts / ₹100 | 20 pts240 pts/yr | ₹8 | ₹96/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1 Pts / ₹100 | 50 pts600 pts/yr | ₹20 | ₹240/yr | Active Earn |
Groceries | ₹7,000/mo | 1 Pts / ₹100 | 70 pts840 pts/yr | ₹28 | ₹336/yr | Active Earn |
Fuel | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹56(incl. ₹40 waiver) | ₹672/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹16 | ₹192/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1.5 Pts / ₹100 | 60 pts720 pts/yr | ₹24 | ₹288/yr | Active Earn |
Rent | ₹10,000/mo | 1 Pts / ₹100 | 100 pts1,200 pts/yr | ₹40 | ₹480/yr | Active Earn |
Insurance | ₹1,500/mo | 1 Pts / ₹100 | 15 pts180 pts/yr | ₹6 | ₹72/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹24 | ₹288/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Adani One ICICI Bank Signature Credit CardICICI Bank | ICICI Emeralde Credit CardICICI Bank |
|---|---|---|
| Joining fee | ₹5,000 | ₹12,000 |
| Annual fee | ₹5,000/yr | ₹12,000/yr |
| Fee waiver | Spend ₹6,00,000/yr | Spend ₹10,00,000/yr |
| Base reward | 1 pts / ₹100 | 4 pts / ₹100 |
| Top reward categories | 1.5x travel (higher rate at select merchants only), 2x other | 4x travel, 1x utilities, 1x insurance |
| Redemption friction | Easy | Easy |
| Point expiry | 36 months | 36 months |
| Lounge access | 4 dom · 2 intl⚠ 4 domestic/quarter on Rs.75,000 prior-quarter spend; 2 international/year | Unlimited dom · Unlimited intl⚠ Unlimited domestic + international lounge access |
| Forex markup | 3.5% | 2% |
| Fuel surcharge | 1% waiver, up to ₹4,000/mo | 1% waiver, up to ₹4,000/mo |
| Min income · salaried | ₹9.0L/yr | Not stated |
| Min income · self-employed | ₹9.0L/yr | Not stated |
| Eligibility (as stated) | Salaried Rs.75,000/month; Self-employed Rs.9,00,000/year | Salaried Rs.1,50,000/month; Self-employed Rs.18,00,000/year |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official ICICI Bank Credit Card Page | Updated 2026-07Official ICICI Bank Credit Card Page |
Verdict at a Glance
Choose Adani One ICICI Bank Signature Credit Card if your monthly spending is focused on travel, other.
Choose ICICI Emeralde Credit Card if you spend heavily on travel, utilities.
Adani One ICICI Bank Signature Credit Card vs ICICI Emeralde Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Adani One ICICI Bank Signature Credit Card
At ₹25,000/month, Adani One ICICI Bank Signature Credit Card nets -₹3,392/yr vs ICICI Emeralde Credit Card at -₹7,332/yr — a ₹3,940 edge.
Adani One ICICI Bank Signature Credit Card
At ₹50,000/month, Adani One ICICI Bank Signature Credit Card nets ₹3,120/yr vs ICICI Emeralde Credit Card at -₹2,712/yr — a ₹5,832 edge.
ICICI Emeralde Credit Card
At ₹1,00,000/month, ICICI Emeralde Credit Card nets ₹18,480/yr vs Adani One ICICI Bank Signature Credit Card at ₹6,288/yr — a ₹12,192 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Adani One ICICI Bank Signature Credit Card or ICICI Emeralde Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), Adani One ICICI Bank Signature Credit Card comes out ahead by about ₹5,832 per year, driven mostly by utilities & bills spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Adani One ICICI Bank Signature Credit Card or ICICI Emeralde Credit Card?▼
Adani One ICICI Bank Signature Credit Card earns 1 pts/₹100 as a base, while ICICI Emeralde Credit Card earns 4 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Adani One ICICI Bank Signature Credit Card and ICICI Emeralde Credit Card?▼
Adani One ICICI Bank Signature Credit Card: ₹5,000 + GST per year, waived on ₹6,00,000 annual spend. ICICI Emeralde Credit Card: ₹12,000 + GST per year, waived on ₹10,00,000 annual spend.
Do Adani One ICICI Bank Signature Credit Card and ICICI Emeralde Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Adani One ICICI Bank Signature Credit Card excludes none noted; ICICI Emeralde Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is ICICI Emeralde Credit Card ever the better pick over Adani One ICICI Bank Signature Credit Card?▼
Within a normal spend range at ₹50,000/month, Adani One ICICI Bank Signature Credit Card stays ahead. ICICI Emeralde Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.