Times Black ICICI Bank Credit Card
Fees
₹20,000 + Applicable Taxes
Joining & annual
Reward Rate
3 reward points per ₹100 spent across all categories
Welcome Bonus
20,000 bonus reward points on making the first transaction within the first 30 days of card issuance
Lounge
Unlimited Domestic + International
Our Expert Take
Times Black by ICICI is built around milestone-based luxury stays and lifestyle perks rather than a high everyday earn rate: ₹10,000 to ₹20,000 in e-vouchers at Ayatana Resorts once you hit ₹5 lakh and ₹12 lakh in annual spend, plus zero-fee cash withdrawals and steeply discounted media subscriptions.
Pros & Cons
Key Advantages
- High-value milestone rewards including luxury resort stays fully offsetting the annual fee
- Ultra-low foreign currency markup fee of 1.49%
- Access to select entertainment events and fine dining experiences
- Absolute zero fee charged on credit card cash withdrawals
- Premium international media platform subscriptions available for just ₹1
Limitations
- Very high standard joining and annual fee barrier of ₹20,000
- Extremely steep spending target of ₹25 Lakh required for an ongoing annual fee waiver
- Rewards are most valuable if your spending lines up with the card's partner brands, less useful otherwise
Key Perks & Spending Milestones
3 reward points accrued for every ₹100 spent on all regular retail purchase lines
iShop platform purchases and trip planning are eligible for reward points, though the previous accelerated multiplier on iShop spends was reduced in the 2026 revision
Access to exclusive luxury lifestyle packages and special discount parameters across premium global retail outlets
Chat-based personal assistant service through CribLife Lifestyle Management
Premium digital streaming and global publication subscriptions (GQ, Architectural Digest, Curiosity Stream, etc.) accessible for just ₹1
Exclusive complimentary entries to major marquee events like the legendary Times Food & Nightlife Awards
Access to the high-end Royal Table and Chefs Play private fine dining event series
VIP entry ticket benefits to international sports and entertainment events, including the Abu Dhabi Formula 1 Grand Prix
Absolute zero cash advance handling fees on global ATM cash withdrawals
International travel insurance included, with no added processing fees
1% fuel surcharge waiver shield covering retail petroleum transactions up to ₹4,000 (Capped at a maximum savings of ₹1,00,000 per month)
Spend milestone
Spend ₹5 Lakh annually: Receive an automated luxury stay e-voucher worth ₹10,000 from Ayatana Resorts
Spend milestone
Spend ₹12 Lakh annually: Receive an automated one-night premium luxury stay e-voucher worth ₹20,000 from Ayatana Resorts
Spend milestone
Spend ₹25 Lakh annually: Complete waiver/reversal of the ₹20,000 annual renewal fee for the subsequent cycle
Fees & Charges
Joining fee
₹20,000 + Applicable Taxes
Annual fee
₹20,000 + Applicable Taxes
Annual fee waived on ₹25 Lakh annual spends
Interest rate
3.67% per month (44% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
Did Times Black ICICI lose any benefits in 2026?
How many lounge visits does Times Black ICICI offer?
What's the annual fee on Times Black ICICI?
Compare Times Black ICICI Bank Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Times Black ICICI Bank Credit Card This Card | ₹20,000 + Applicable Taxes | 3 reward points per ₹100 spent across all categories | Unlimited Domestic + International | 4.2/5 |
| IDFC FIRST WOW! Credit Card | Free | 4 Reward Points per ₹200 spent (~0.50% return); Points never expire | No Lounge Access | 4.5/5 |
| LIC Signature Credit Card | Free | 2 Reward Points per ₹100 on LIC premium payments & international... | 8 Domestic/yr (2/Qtr) | 4.5/5 |
| SBI Card Pulse | ₹1,499 + Taxes | 10 Reward Points per ₹100 on dining, movies, sports, chemist &... | 4 Domestic/yr (1/Qtr) | 4.4/5 |