Times Black ICICI Bank Credit Card
Fees
₹20,000 + Applicable Taxes
Joining & AnnualReward 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 Access
Unlimited Domestic + International
FindMyCard 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
Editorial Verdict
The Times Black ICICI Bank Credit Card is ideally suited for premium lifestyle experiences, luxury stay vouchers, and media subscriptions. If you want 3 reward points per ₹100 spent across all categories, this card delivers real value. The ₹20,000 + applicable taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
3 reward points accrued for every ₹100 spent on all regular retail purchase lines
Accelerated reward options when tracking purchases or planning trips via the iShop platform
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)
🚀 Milestone Spends Timeline
Spend ₹5 Lakh annually: Receive an automated luxury stay e-voucher worth ₹10,000 from Ayatana Resorts
Spend ₹12 Lakh annually: Receive an automated one-night premium luxury stay e-voucher worth ₹20,000 from Ayatana Resorts
Spend ₹25 Lakh annually: Complete waiver/reversal of the ₹20,000 annual renewal fee for the subsequent cycle
Fees & Charging Rates
Annual Fee Waivers
₹20,000 + Applicable Taxes
💡 Annual fee waived on ₹25 Lakh annual spends
Regular Interest Charges
3.67% per month (44% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
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 &... | 8 Domestic/yr + Priority Pass | 4.4/5 |