SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for adani, airport, and travel.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on adani one ecosystem spends (flights, hotels, airports, cng, electricity, trainman).
Where value may drop
The renewal fee is waived only on Rs 6 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many adani reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Adani Reward Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 4,200 |
| Utility bills | Rs 3,000 | 180 |
| International spends | Rs 5,000 | 1,200 |
| Other spends | Rs 8,000 | 1,440 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Adani One Ecosystem Spends (Flights, Hotels, Airports, CNG, Electricity, Trainman)
7% Adani Reward Points
Best for airport lounge access
18 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns adani reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if your spend is low
The Rs 5,000 fee waives only at Rs 6 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Adani One ecosystem spends (flights, hotels, airports, CNG, electricity, Trainman) | 7% Adani Reward Points |
| International spends | 2% Adani Reward Points |
| Other domestic spends (excl. fuel, rent) | 1.5% Adani Reward Points |
| Utility & Insurance spends | 0.5% Adani Reward Points |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge accesses per quarter (16 per year)
- Domestic lounge: 4 complimentary visits per quarter via Visa Lounge Access; 16 per year total.
- Premium lounge upgrades at Adani-managed airports
- 2 complimentary international airport lounge accesses per year
- Premium lounge upgrades at Adani-managed airports
- International lounge: 2 complimentary visits per year.
Exclusions
Categories that earn no rewards on this card.
- Fuel payments
- Rent payments
- EMI transactions
- Insurance payments
- Credit card bill payments
- Income tax payments
- E-wallet loading transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Flight ticket voucher worth Rs 5,000 on spending Rs 25,000 within 60 days of card activation
- Hotel & holiday vouchers worth Rs 4,000 on spending Rs 25,000 within 60 days of card activation
Additional benefits
- 4 complimentary domestic airport lounge accesses per quarter (16 per year)
- 2 complimentary international airport lounge accesses per year
- Pranaam Meet & Greet, porter services, valet parking, and premium car parking at Adani-managed airports
- Premium lounge upgrades at Adani-managed airports
- 50% discount up to Rs 500 twice a month on BookMyShow movie tickets
- 1% fuel surcharge waiver on fuel transactions up to Rs 4,000
Additional details
- Annual fee of Rs 5,000 waived on spending Rs 6,00,000 or more in the preceding membership year (EMI excluded from spend calculation)
- 1 Adani Reward Point = Rs 1, redeemable exclusively on the Adani One app for flights, hotels, trains, buses, cabs, and duty-free shopping
- Reward points credited to your Adani One account at end of each billing cycle
Eligibility
Check this before you apply.
Salaried
- Age: 21 - 65 years
- Minimum net monthly salary: Rs 75,000
Self-employed
- Age: 21 - 65 years
- Minimum annual ITR: Rs 9,00,000
Compare before you decide
Alternatives based on what you might want instead.
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ICICI Bank Rubyx Credit Card
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