ICICI Bank
ICICI Times Black Credit Card
Ultra-premium Visa co-brand
₹20,000/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹20,000/yr
Reward rate
Not published
Min. income
₹24,00,000
Forex markup
1.49%
Lounge access
Yes
Eligibility
₹24 lakh/yr
Reward cap
5,000 points per statement cycle on utilities, insurance, education and government payments
Welcome benefit
Rs 10,000 Klook experiences at Rs 2 lakh spends; Rs 10,000 WeWork passes or airport transfers at Rs 5 lakh; Rs 10,000 T…
Times Black ICICI Bank card: Rs 20,000 fee waived at Rs 25 lakh spends, 2% domestic rewards, 2.5% international, 1.49% forex markup, unlimited lounge access.
Who is this for
- Premium cardholder
- Frequent traveller
- Rewards optimiser
What we like
- Complimentary airport lounge access
- Milestone vouchers or extras
Watch out for
- ₹20,000 non-waiver joining fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹20,000 | Not waivable |
| Annual fee | ₹20,000 | Spend over Rs 25 lakh in the previous year waives next year's fee |
| Forex markup | 1.49% | Not waivable |
| Late payment | Not published | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2% reward points on eligible domestic transactions; 2.5% on international spends; no points on fuel, rent or EMI-conv… | 5,000 points per statement cycle on utilities, insurance, education and government payments | Up to Rs 1 per point; statement-credit redemption at Rs 0.40 per point |
| TRAVEL | 2.5% earn rate on international spend; 1.49% forex markup | — | Up to Rs 1 per point |
Benefits
-
Unlimited lounge access Highlight
Unlimited complimentary domestic lounge visits plus Priority Pass membership (primary and add-on) covering 1,900+ international lounges
-
Spend milestones Highlight
Rs 10,000 Klook experiences at Rs 2 lakh spends; Rs 10,000 WeWork passes or airport transfers at Rs 5 lakh; Rs 10,000 Tata CLiQ Luxury card at Rs 10 lakh; Rs 20,000 luxury stay at Rs 20 lakh
-
Fuel surcharge waiver
1% waiver on fuel transactions at all fuel stations
-
Lifestyle memberships
Annual Zomato Gold membership, CribLife lifestyle services, The Quorum Club access, and welcome gifts including EaseMyTrip (Rs 10,000) or Lohono (Rs 12,000) stay vouchers
-
Air accident insurance
Complimentary air accident insurance cover with nomination facility
Eligibility
- Age
- 21+ years
- Min. income
- ₹24,00,000
- Documents
- Indian citizens above 21; salaried with Rs 2,00,000/month or self-employed with Rs 24,00,000 p.a.; PAN/Aadhaar video KYC; apply via timesblack.com.
Read the full application walkthrough: ICICI Times Black Credit Card apply guide.
Fees and charges
- Joining fee: Rs 20,000
- Annual fee: Rs 20,000 — Spend over Rs 25 lakh in the previous year waives next year’s fee
- Forex markup: 1.49%
- Late payment fee: Rs 100 to Rs 1,300 depending on outstanding slabs
Rewards
- ALL: 2% reward points on eligible domestic transactions; 2.5% on international spends; no points on fuel, rent or EMI-converted transactions (Cap: 5,000 points per statement cycle on utilities, insurance, education and government payments) Redemption: Up to Rs 1 per point; statement-credit redemption at Rs 0.40 per point.
- TRAVEL: 2.5% earn rate on international spend; 1.49% forex markup Redemption: Up to Rs 1 per point.
Benefits
- Unlimited lounge access: Unlimited complimentary domestic lounge visits plus Priority Pass membership (primary and add-on) covering 1,900+ international lounges
- Spend milestones: Rs 10,000 Klook experiences at Rs 2 lakh spends; Rs 10,000 WeWork passes or airport transfers at Rs 5 lakh; Rs 10,000 Tata CLiQ Luxury card at Rs 10 lakh; Rs 20,000 luxury stay at Rs 20 lakh
- Fuel surcharge waiver: 1% waiver on fuel transactions at all fuel stations
- Lifestyle memberships: Annual Zomato Gold membership, CribLife lifestyle services, The Quorum Club access, and welcome gifts including EaseMyTrip (Rs 10,000) or Lohono (Rs 12,000) stay vouchers
- Air accident insurance: Complimentary air accident insurance cover with nomination facility
Eligibility
- Minimum income: Rs 24,00,000 per annum
- Age: 21+ years Indian citizens above 21; salaried with Rs 2,00,000/month or self-employed with Rs 24,00,000 p.a.; PAN/Aadhaar video KYC; apply via timesblack.com.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: ICICI Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the ICICI Times Black Credit Card apply walkthrough →
Apply for ICICI Times Black Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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