Standard Chartered DigiSmart Credit Card
Rs 588Annual fee
0Domestic lounge
3.5%Forex markup
Best for
online shopping, food delivery, movies, travel
Top rewards
Partner discount offers: Offer-led savings via promo code DIGISMART
Adani One ICICI Bank Platinum Credit Card
Rs 750Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Domestic lounge: 2 complimentary visits per quarter via Visa Lounge Access; 8 per year total. Excluded from the standard ICICI Rs 75,000 quarterly spend threshold requirement.
- 2 complimentary domestic airport lounge accesses per quarter (8 per year)
- 2 complimentary premium domestic lounge upgrades per quarter at Adani-managed airports
- Other airport perks: 2 complimentary premium lounge upgrades per quarter, 2 premium car parking and 2 valet car parking services per year, 4 domestic porter services per year.
- International lounge: No complimentary access.
3.5%Forex markup
Best for
adani, airport, travel, lounge, movies
Top rewards
Adani One ecosystem spends (flights, hotels, airports, CNG, electricity, Trainman): 3% Adani Reward Points; International spends: 1.5% Adani Reward Points; Other domestic spends (excl. fuel, rent): 1% Adani Reward Points
| Feature | Standard Chartered DigiSmart Credit Card | Adani One ICICI Bank Platinum Credit Card |
|---|---|---|
| Issuer | Standard Chartered | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Rs 49 | Rs 750 |
| Annual fee | Rs 588 | Rs 750 |
| Fee waiver spend | - | Rs 3,00,000 |
| Reward type | offer-led savings | adani reward points |
| Best for | online shopping, food delivery, movies, travel | adani, airport, travel, lounge, movies |
| Top reward categories | Partner discount offers: Offer-led savings via promo code DIGISMART | Adani One ecosystem spends (flights, hotels, airports, CNG, electricity, Trainman): 3% Adani Reward Points; International spends: 1.5% Adani Reward Points; Other domestic spends (excl. fuel, rent): 1% Adani Reward Points |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Monthly fee of Rs 49 is waived on spending Rs 5,000 or more in the previous calendar month | Not listed |
| Redemption | Not listed | Not listed |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including monthly fee and finance charges) | Fuel payments, Rent payments, EMI transactions, Insurance payments, Credit card bill payments, Income tax payments |