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Times Black ICICI Bank

Times Black ICICI Bank

Annual Fee

₹20,000

Rewards/₹100

₹0.50 - ₹1.25

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

780+

Quick Details

Annual Fee
₹20,000 #295
Joining Fee
₹20,000 #295
Interest Rate
42.00% p.a. #108
Forex Markup
1.49% #17
Rewards/₹100
₹0.50 - ₹1.25 #238
Reward Type Reward Points
Reward Currency Points
International Lounge Visits
Unlimited #1
Min Credit Score
780+ #268
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹25,00,000/yr

Reward Structure

Base

All Spends

₹0.50 /₹100

Reward Calculator

Allocate by Category100%
Other Spends
2.0 pts
100%₹50,000
Your Rewards
Points Earned1,000
Cash Value₹250
Breakdown
Other Spends1,000
Total Value₹250
Quick amounts:

Milestone Benefits

Welcome Bonus

Welcome gift voucher for Times Prime subscription and lifestyle benefits.

₹10,000

value

Milestone

Milestone reward on spending Rs 5 lakhs annually.

Spend ₹5,00,000 within 365 days

₹20,000

value

Renewal Benefit

Annual fee renewal benefit on meeting spend criteria.

Spend ₹4,00,000 within 365 days

₹20,000

value

Airport Lounge Access

International Free
Unlimited

visits

Unlimited international airport lounge access.

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Air Accident

₹2,00,00,000

Air accident cover.

Purchase Protection

₹2,00,000

Purchase protection.

Lifestyle Perks

Concierge

Premium 24/7 concierge service

Quick Analysis

Times Black ICICI is an ultra-premium card for UHNIs offering unlimited international lounges and 2% rewards. Best for high-income executives and business owners.

Pros

  • 2% reward points on all domestic transactions
  • Unlimited international airport lounge access
  • Exclusive luxury stays and experiences
  • Low forex markup of 1.49%
  • Fee waiver at Rs 25L annual spend
  • Premium concierge service
  • Times Internet ecosystem benefits
  • Designed for UHNIs

Cons

  • Very high annual fee of Rs 20,000 + GST
  • Extremely high income requirement
  • Very high fee waiver threshold (Rs 25L)
  • Lower point value (Rs 0.25)

Best For

UHNIs, executives, luxury travelers

Not Ideal For

Most regular users, budget seekers

Frequently Asked Questions

What are the fees for Times Black ICICI Bank Credit Card?
The Times Black ICICI Bank Credit Card has a joining fee of Rs 20,000 and annual fee of Rs 20,000. The annual fee can be waived on spending Rs 2,500,000 in the previous year.
What is the eligibility criteria for Times Black ICICI Bank Credit Card?
To be eligible for the Times Black ICICI Bank Credit Card, you need a minimum monthly income of above Rs 1 Lakh/month, age between 23-60 years, and a credit score of 780+. ICICI Bank customers with existing relationships may get preferential treatment.
What rewards does Times Black ICICI Bank Credit Card offer?
The Times Black ICICI Bank Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the ICICI Bank rewards portal.
Does Times Black ICICI Bank Credit Card offer airport lounge access?
Yes, the Times Black ICICI Bank Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for Times Black ICICI Bank Credit Card?
You can apply for the Times Black ICICI Bank Credit Card through ICICI Bank official website, mobile app, or by visiting your nearest ICICI Bank branch. Existing customers can also apply through net banking.

User Reviews

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