Times Black ICICI Bank Credit Card
A super-premium Visa card (₹20,000 a year, waived above ₹25 lakh of spend) with a 1.49% forex markup and unlimited lounge access; ICICI states its earn as 2% reward points in India and 2.5% abroad, with points worth ₹0.40 each against the statement. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: the number of reward points earned per ₹100 (ICICI Bank states the earn only as '2%' and '2.5%' reward points); a base reward rate for other spends. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹20,000 plus GST Product page |
|---|---|
| Annual fee | ₹20,000 plus GST Product page |
| Annual fee waiver | On ₹25,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 1.49% of the transaction, plus GST Product page |
Rewards
Reward points, ₹0.40 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|
ICICI Bank gives the earn rate only as '2% ICICI Bank reward points' on domestic and '2.5%' on international spends, without saying how many points that is per ₹100 or at what point value the percentage is reckoned, so CardWise does not price it. Utilities, insurance, education and government payments are capped at 5,000 points a statement cycle.
No rewards on
- Fuel and rent (and EMI transactions) Product page
- Wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: Unlimited domestic and international airport lounge access for the primary and add-on cardholders Product page
- Fuel: 1% fuel surcharge waived on all fuel transactions, up to ₹1,000 a statement cycle Terms
- Welcome: Luxury stay gift card: EaseMyTrip worth ₹10,000 or Lohono worth ₹12,000 Product page
- Welcome: Toni and Guy (₹3,000) and Interflora (₹1,000) gift cards Product page
- Milestone: Klook voucher worth ₹10,000 at ₹2 lakh of spend in an anniversary year Product page
- Milestone: WeWork day passes or airport transfers worth ₹10,000 at ₹5 lakh of spend Product page
- Milestone: Tata CLiQ Luxury gift card worth ₹10,000 at ₹10 lakh of spend Product page
- Milestone: One-night luxury stay worth ₹20,000 at ₹20 lakh of spend Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- Earns 2% in ICICI Bank reward points on domestic spends and 2.5% on international spends (as ICICI states it) Product page
- 1.49% forex markup Product page
- Unlimited international airport lounge access for primary and add-on cardholders Product page
- Annual Zomato Gold membership Product page
- Travel visa services worth ₹10,000 with Atlys and OneVasco Product page
- No cancellation charges on domestic flight and hotel bookings, up to ₹12,000 Product page
- No ATM withdrawal fee Product page
- 24/7 concierge service Product page
Eligibility
- Age 21 or above Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹2 lakh Product page
- Self-employed: annual income of ₹24 lakh Product page
Not published by ICICI Bank in the documents read
- a RuPay variant for UPI
- an upper age limit
The quotes behind the figures
39 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining fee- ₹20,000 + GST”
“Annual fee- ₹20,000 + GST (Spend over ₹25 lakh and get your annual fee waived off for the next year)”
“You can get your annual fee waived from the 2nd year onwards on minimum spends of ₹25,00,000 made in the previous year.”
“Forex Markup 1.49%”
“However, when redeeming ICICI Bank reward points against your statement, the redemption rate is 1 Reward Point (RP) = ₹0.40.”
“Additionally, ICICI Bank reward points will not be earned on fuel transactions, rent payments or transactions converted into EMIs.”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Unparalleled Privileges for a Life of Luxury Times Black Credit Card Apply Now”
“Times Black ICICI Bank Credit Card 1.49%”
“Get <2>% ICICI Bank reward points on all eligible domestic transactions.”
“Get <2.5>% ICICI Bank reward points on all eligible international transactions.”
“Reward points on all transactions: Earn 2% reward points on domestic transactions and 2.5% reward points on international spends.”
“You can earn 2% ICICI Bank reward points on all eligible domestic transactions. However, there is a cap of 5,000 reward points per statement cycle for the following categories:”
“Redemption against statement of ICICI Bank reward points: 1 Rupee = ₹ 0.4.”
“The value of 1 ICICI Bank reward point can be up to ₹ 1.”
“Milestone Benefits: Benefits are offered to the Cardholder as per the Customer Value Proposition (CVP) of the Credit Card on achieving the threshold spends in an Anniversary Year.”
“If only minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1300”
“For lounge visits within India, Primary and Add-on Cardholders can avail unlimited complimentary lounge access through Times Black ICICI Bank Credit Card.”
“Fuel surcharge waiver of <1>% on all fuel transactions.”
“Maximum waiver of ₹ <1000> per statement cycle can be provided.”
“Luxury Stay Gift Card from EaseMyTrip worth ₹10,000 or from Lohono worth ₹12,000”
“Lifestyle Gift Cards from Toni and Guy and Interflora worth ₹3,000 and ₹1,000, respectively.”
“Worth ₹10,000 Discover Klook's unique international experiences and activities on spends of ₹2 lakh”
“Worth ₹10,000 WeWork day passes (India) or airport transfers from Thumby Aviation, Avis or Indian Travel House on spends of ₹5 lakh”
“Worth ₹10,000 Indulge in high-end fashion with a Tata CLiQ Luxury Gift Card on spends of ₹10 lakh”
“Worth ₹20,000 One night luxury stay at Ayatana or Lohono on spends of ₹20 lakh”
“Earn Points on every spend 2.5% On International Spend 2% On Domestic Spend”
“Get access to International airport lounges for the Primary Cardholder and Plus Cardholders.”
“Annual membership of Zomato Gold for exclusive dining privileges”
“Worth ₹10,000 Travel visa benefits with Atlys and OneVasco”
“No cancellation charges on domestic flight and hotel bookings, up to ₹12,000.”
“ATM withdrawal Nil”
“Get round-the-clock concierge assistance by calling the toll-free number 18002670731”
“An Indian citizen over 21 years of age”
“Self-employed individual with an annual income of ₹24,00,000”
“A salaried individual with a monthly income of ₹2,00,000”
“Apply now Times Black ICICI Bank Credit Card: Fees and Charges”
“The Times Black ICICI Bank Credit Card is an exclusive Credit Card issued by ICICI Bank in association with Times Internet Ltd. and Visa.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology