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How to Apply for the ICICI Times Black Credit Card in 2026

Jiyan Kazi's profile photo Jiyan Kazi
4 min read
Reviewed by Rahul Dabhi Last reviewed 5 September 2026 Data verified 5 September 2026

The ICICI Times Black Credit Card is a super-premium Visa co-brand with Times Internet. It earns 2% reward points on eligible domestic spends and 2.5% on international spends, with unlimited domestic airport lounge access plus a Priority Pass membership covering 1,900+ international lounges. The annual fee is ₹20,000 + GST, waived on spends of ₹25 lakh in the previous year, and international transactions carry a low 1.49% forex markup. New applications run through the official microsite, timesblack.com.

Why this matters

Times Black targets high-net-worth individuals who travel, dine, and spend big each year. The 2%/2.5% earn rate redeems at up to ₹1 per point, milestone gifts start at ₹2 lakh spends, and the unlimited lounge suite alone recovers the annual fee within a handful of trips for a frequent flyer.

How to Apply for the ICICI Times Black Credit Card in 2026

How to apply Total time: 20 min · Estimated cost: ₹20,000 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16, Form 26AS

Apply for the ICICI Times Black Credit Card with 2% domestic and 2.5% international earning. Eligibility and step-by-step walkthrough.

  1. Check Times Black eligibility — You must be 21 or older, a resident Indian, with a minimum monthly income of ₹2 lakh for salaried applicants or ₹24 lakh annual income for the self-employed. A strong credit history is expected.
  2. Apply via the official microsite — Visit timesblack.com to start the application; ICICI’s credit-card hub links it under “Recently Launched”. Pre-qualified ICICI customers may also see 1-click offers in iMobile/NetBanking.
  3. Complete the application — Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Times Black variant and number of supplementary cards.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips, last 6 months’ bank statement, Form 16, and recent Form 26AS. Self-employed applicants must upload 2 years’ ITR with computation and business proof.
  6. Wait for credit committee approval — Times Black applications are reviewed by ICICI’s super-premium credit committee. Approval takes 10–15 working days. The decision is communicated via SMS and email.
  7. Pay the joining fee and receive the card — Once approved, ICICI will charge ₹20,000 + GST as the joining fee. The card is delivered within 5 working days. Activate it via IVR, iMobile Pay, or at any ICICI ATM.
  8. Track the spend milestones — Rs 10,000 Klook experiences at ₹2 lakh spends, Rs 10,000 WeWork passes or airport transfers at ₹5 lakh, a Rs 10,000 Tata CLiQ Luxury card at ₹10 lakh, and a Rs 20,000 luxury stay at ₹20 lakh.

Common mistakes to avoid

No reward points are earned on fuel, rent, or EMI-converted transactions, and utilities, insurance, education, and government-category spends are capped at 5,000 points per statement cycle. Budget for the 1.49% forex markup on international spends.

Pro tips

  • Talk to your relationship manager 6 months in advance to discuss Times Black eligibility
  • International spends earn 2.5% at a 1.49% markup — among the best combined economics in the super-premium segment
  • Pair with the ICICI Emeralde for dining and entertainment
  • Plan to spend ₹25 lakh to waive the ₹20,000 annual fee

Frequently asked questions

What is the annual fee on Times Black?

₹20,000 + GST, waived on ₹25 lakh spends in the previous 12 months.

Is Times Black invitation-only?

No — it launched to the public in August 2024 via the timesblack.com microsite, though the issuer applies income and credit screening before approval.

What are the reward caps?

2% domestic / 2.5% international earning has no cap on core retail, while utilities, insurance, education, and government payments earn at most 5,000 points per statement cycle.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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