ICICI Times Black Credit Card by ICICI Bank

Quick answer

ICICI Times Black Credit Card at a glance: The ICICI Times Black Credit Card from ICICI Bank is a super-premium credit card aimed at travel, premium and lounge-access spenders, offering 12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026) rewards and ₹20,000 annual fee (waivable on minimum spend). Eligibility floor: an issuer-defined minimum income floor. Compare it against the ICICI Bank Tata Neu Credit Card if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR: Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate: The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge: The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit: The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI: Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card: A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle: The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit: A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit: An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT: Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C: Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge: The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees: 18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

ICICI Times Black Credit Card at a glance

Annual fee: ₹20,000
Reward rate: 12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026)
Welcome benefit: Welcome benefit of ₹12,000 Lohono voucher or ₹10,000 EaseMyTrip voucher + Atlys visa fee waiver + Zomato Gold membership + lifestyle vouchers
Minimum income: ₹24,00,000 / month

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About

ICICI Bank × Times Internet × Visa ultra-premium metal card. Joining ₹20,000 + GST, annual ₹20,000 + GST (waived on ₹25L annual spends). 1.49% forex markup. 12X on hotels, 6X on flights & shopping, 2.5% on international, 2% on domestic. Unlimited global lounge access for primary + add-on. 24x7 concierge. Comprehensive travel insurance. Zomato Gold membership. Quorum Club events. (researched and verified 2026-08)

Welcome Benefit

Welcome benefit of ₹12,000 Lohono voucher or ₹10,000 EaseMyTrip voucher + Atlys visa fee waiver + Zomato Gold membership + lifestyle vouchers

Foreign exchange, lounges & network

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Accepted at millions of merchants worldwide

Editorial review

Everything you need to know about ICICI Times Black Credit Card

~773 words

Data as of 04 Aug 2026

What is ICICI Times Black Credit Card?

Ultra-premium metal card — unlimited global lounge access (1,300+ lounges, 600+ cities), 1.49% forex markup, 12X points on hotels via iShop (verified 2026).

ICICI Times Black Credit Card is issued by ICICI Bank on the Visa network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹20,000 (joining fee ₹20,000). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for everyday spending; the rest of this page breaks down what that means in practice.

Fees and charges explained

ICICI Times Black Credit Card charges the fees listed below. Annual and joining fees are set by ICICI Bank and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹20,000
Annual fee: ₹20,000

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing ICICI Times Black Credit Card against another card on cost alone, the cleanest comparison is ₹20,000 joining + ₹20,000/yr vs. the equivalent on the alternative.

Rewards, points, and cashback on ICICI Times Black Credit Card

ICICI Times Black Credit Card earns 12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026) on eligible spends.

Specific per-category reward rates for ICICI Times Black Credit Card are listed in the tabbed overview below; the headline rate is the rate the bank markets most prominently.

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on ICICI Times Black Credit Card reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Beyond the headline reward rate, ICICI Times Black Credit Card includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

ICICI Times Black Credit Card includes the standard Visa acceptance and contactless-tap experience plus whatever lifestyle and insurance benefits ICICI Bank publishes in the most recent benefits guide.

Insurance and consumer protection: most Visa cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if ICICI Times Black Credit Card advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

Eligibility: who should apply

ICICI Bank has not published a detailed eligibility profile for ICICI Times Black Credit Card on its public website. As a baseline, Indian credit-card approvals typically require a CIBIL score of 700+ (750+ for premium cards), a stable salaried or self-employed income that comfortably covers the minimum-income threshold, and a clean recent repayment history on any existing credit lines. Use the free eligibility checker on FinWiz24 (top-right of every page) for a soft estimate that does not affect your CIBIL score.

Documents you will need

When you apply for ICICI Times Black Credit Card, ICICI Bank will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Standard document list (most issuers):

PAN card (mandatory for every Indian credit card application)
Aadhaar card or any OVD (Officially Valid Document) for address proof
Latest 1-2 salary slips OR Form 16 OR 6-month bank statement (income proof)
Passport-size photograph
Cancelled cheque or latest bank statement (for credit-limit verification)

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.

How to apply

How to apply for ICICI Times Black Credit Card

Check eligibility
Confirm you meet the minimum income and credit score requirements using our eligibility checker.
Gather your documents
Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.
Apply on the bank's website
Click Apply Now. You'll be redirected to ICICI Bank to complete the application — FinWiz24 never sees your data.

FAQ

Frequently asked questions about ICICI Times Black Credit Card

What are the fees on ICICI Times Black Credit Card?

ICICI Times Black Credit Card has a joining fee of ₹20,000 and an annual fee of ₹20,000. The annual fee may be waived if you meet the bank's spend or relationship conditions.

Who is eligible for ICICI Times Black Credit Card?

Applicants need a minimum income of Not publicly listed (varies by applicant profile) and a credit score of at least —. Both salaried and self-employed applicants are accepted.

How does the rewards program on ICICI Times Black Credit Card work?

ICICI Times Black Credit Card earns 12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026) on your spending. New cardholders also receive a welcome benefit worth checking the terms for. (Welcome benefit of ₹12,000 Lohono voucher or ₹10,000 EaseMyTrip voucher + Atlys visa fee waiver + Zomato Gold membership + lifestyle vouchers)

What documents are needed to apply for ICICI Times Black Credit Card?

You'll need a PAN card, an address proof (Aadhaar / passport / utility bill), an income proof (salary slip, Form 16, or ITR), and a passport-size photograph. Existing customers of ICICI Bank may have a simpler flow.

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ICICI Times Black Credit Card

ICICI Times Black Credit Card at a glance

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Foreign exchange, lounges & network

How to apply for ICICI Times Black Credit Card

Check eligibility

Gather your documents

Apply on the bank's website

Frequently asked questions about ICICI Times Black Credit Card

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