Adani One ICICI Bank Signature vs Reliance SBI PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Adani One ICICI Bank Signature wins 3 of 8 dimensions with a CardTrail Score of 8.1/10 vs 8.4/10.
| Feature | Adani One ICICI Bank Signature | Reliance SBI PRIME |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.4/10 |
| Annual Fee | ₹5,000 | ₹2,999 |
| Base Reward Rate | 1.5% | 1% |
| Max Reward Rate | 7% | 2.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 16 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose Adani One ICICI Bank Signature
- You can meet the fee waiver condition: Spend ₹6 lakh in a year
- You want higher rewards — up to 7% vs 2.5%
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: shopping, travel
When to Choose Reliance SBI PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: shopping, cashback, rewards
Annual Fee Value Analysis
To break even on Adani One ICICI Bank Signature's ₹5,000 fee at 1.5% rewards, spend ₹27,778/month.
To break even on Reliance SBI PRIME's ₹2,999 fee at 1% rewards, spend ₹24,992/month.