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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsICICI BankTimes Black ICICI Bank Credit Card
ICICI Bank

Times Black ICICI Bank Credit Card

Reward Points Visa Super Premium
4.5/5.0CardwiseHQ Review
1st Year Fee: ₹20000(Waived on ₹25 lakh annual spends for the next year)
Primary Reward
2.5% reward points on international spend
1st Year Fee
₹20000
Fee Waiver
Waived on ₹25 lakh annual spends for the next year
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Unparalleled Privileges for a Life of Luxury.

Fees & Charges

Times Black ICICI Bank Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 20,000
Annual / Renewal Fee₹ 20,000
Fee Waiver ConditionWaived on ₹25 lakh annual spends for the next year
Interest Rate (per month)3.75% per month
Late Payment Charges₹100 to ₹1300 based on amount
Foreign Transaction Fee1.49% of transaction amount

Rewards & Cashback

Times Black ICICI Bank Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate2.5% reward points on international spend
Secondary Reward Rate2% reward points on domestic spend
Max Cashback / Rewards (Monthly)5,000 reward points per statement cycle on utility, insurance, education, and government payments
Welcome / Joining BonusLuxury Stay Gift Card from EaseMyTrip (₹10,000) or Lohono (₹12,000); Lifestyle Gift Cards from Toni and Guy (₹3,000) and Interflora (₹1,000)
Milestone BenefitsOne night luxury stay at Ayatana or Lohono (₹20,000) on ₹20 lakh spends; Tata CLiQ Luxury Gift Card (₹10,000) on ₹10 lakh spends; WeWork day passes or airport transfers (₹10,000) on ₹5 lakh spends; Klook international experiences on ₹2 lakh spends
Reward ExclusionsUtility payments, insurance premium payments, education payments, government payments (capped at 5,000 RPs), fuel transactions, rent payments, transactions converted into EMIs

Features & Benefits

Times Black ICICI Bank Credit Card · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access DetailsUnlimited complimentary domestic lounge access. Unlimited complimentary international lounge access via Priority Pass (for primary and Plus cardholder) to 1,400+ lounges in 145+ countries.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on fuel transactions at all fuel stations
Insurance CoverageAir Accident Insurance cover; ₹12,000 refund on domestic flight and hotel booking cancellations
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

Times Black ICICI Bank Credit Card · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 24,00,000
Minimum Age21
Card NetworkVisa
Card VariantSuper Premium
Best ForUltra-High Net Worth Individuals, Luxury Lifestyle, International Travel, Elite Experiences

Pros & Cons

Advantages
  • Unlimited complimentary domestic and international airport lounge access
  • Low foreign transaction fee of 1.49%
  • Generous welcome benefits including luxury stay and lifestyle gift cards
  • Substantial milestone benefits on achieving spending thresholds
  • Comprehensive protection benefits including air accident insurance and travel cancellation refund
  • High reward points on international (2.5%) and domestic (2%) spends
Disadvantages
  • Very high joining and annual fees (₹20,000 + GST)
  • Annual fee waiver requires a high annual spend of ₹25 lakh
  • Reward points are capped and excluded on several transaction categories like utility, insurance, fuel, rent, and EMI conversions

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Ultra-High Net Worth Individuals, Luxury Lifestyle, International Travel, Elite Experiences

Times Black ICICI Bank Credit Card by ICICI Bank is rated 4.5/5 by our editorial team. Unparalleled Privileges for a Life of Luxury..

About Times Black ICICI Bank Credit Card

The Times Black ICICI Bank Credit Card is an exclusive offering crafted for Ultra-High Net Worth Individuals (UHNIs), providing a curated suite of premium benefits. This card is designed to enhance luxury experiences across various categories, including opulent stays, seamless travel, sophisticated lifestyle perks, and convenient mobility solutions. Cardholders enjoy privileges such as a low foreign transaction markup, extensive complimentary airport lounge access, and a robust reward program that accrues points on both international and domestic expenditures. With its focus on elite services and exclusive partnerships, the Times Black Credit Card aims to deliver a world-class experience to its discerning users.

Quick Facts

Joining Fee₹20,000
Annual Fee₹20,000
Interest Rate3.75% per month
Card NetworkVisa
Card VariantSuper Premium
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹24,00,000