CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 14 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2% on domestic, 2.5% on international
Earn 2 Reward Points per ₹100 on domestic transactions (including Utilities, Insurance, Education, & Government payments, which are capped at 5,000 RP/month). Earn 2.5 Reward Points per ₹100 on international transactions. Up to 12X points on iShop by ICICI. 1 Reward Point = ₹1 for vouchers, or ₹0.40 for cashback.
Redeem for
The privileges that come bundled in, beyond the reward points.
Unlimited complimentary Domestic and International airport lounge access
Milestone 1 (₹2L Spend): ₹10,000 Klook voucher for international travel experiences
Milestone 2 (₹5L Spend): Luxury airport transfers (BLADE / Avis) worth ₹10,000
Milestone 3 (₹10L Spend): Tata CLiQ Luxury gift card worth ₹10,000
Milestone 4 (₹20L Spend): One night luxury stay at Ayatana Resorts or Lohono worth ₹20,000
Milestone 5 (₹25L Spend): Annual fee waiver of ₹20,000
Low foreign currency markup fee of just 1.49%
Zero cash withdrawal fee and premium travel insurance coverage
An honest read on where this card earns its keep — and where it doesn't.
Exceptional tiered milestone program unlocking up to ₹70,000 in extra value
Welcome and renewal benefit stacks effectively offset the massive ₹20,000 fee
Unlimited lounge access (both domestic and international) for frequent flyers
Low forex markup (1.49%) combined with a 2.5% reward rate on international spending
Earns rewards on typically excluded categories like utilities and insurance (up to a cap)
Extremely high joining and annual fee of ₹20,000 + GST
Very high annual fee waiver threshold (₹25 Lakhs)
Cashback redemption value is poor (₹0.40) compared to voucher value (₹1.00)
Only beneficial if you are a high-spending user who naturally crosses ₹10L+ annually
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Times Black ICICI Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Times Black ICICI Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Times Black ICICI Credit Card fees, reward conversion, lounge access, and application eligibility.
Times Black ICICI Credit Card has an annual fee of ₹20,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome stack worth over ₹25,000 (includes ₹10,000 EaseMyTrip/Lohono voucher, ₹10,000 Atlys/OneVasco Visa benefits, Zomato Gold, and Toni&Guy/Interflora vouchers).".
Times Black ICICI Credit Card earns Reward Points at a primary rate of 2% on domestic, 2.5% on international. Specifically, Earn 2 Reward Points per ₹100 on domestic transactions (including Utilities, Insurance, Education, & Government payments, which are capped at 5,000 RP/month). Earn 2.5 Reward Points per ₹100 on international transactions. Up to 12X points on iShop by ICICI. 1 Reward Point = ₹1 for vouchers, or ₹0.40 for cashback.. Spends in Super Premium, Travel, Lifestyle, Rewards categories provide the maximum valueback per transaction on this card.
Rewards earned on Times Black ICICI Credit Card can be redeemed for Brand Vouchers & Travel (1 RP = ₹1), Air Miles / Maharaja Points, Cashback / Statement Credit (1 RP = ₹0.40) via ICICI Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Times Black ICICI Credit Card features complimentary airport lounge privileges. Privileges include: "Unlimited complimentary Domestic and International airport lounge access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Times Black ICICI Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Times Black ICICI Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Times Black ICICI Credit Card levies a forex markup fee of 1.49% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Times Black ICICI Credit Card currently features a welcome offer: "Welcome stack worth over ₹25,000 (includes ₹10,000 EaseMyTrip/Lohono voucher, ₹10,000 Atlys/OneVasco Visa benefits, Zomato Gold, and Toni&Guy/Interflora vouchers).". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Exceptional tiered milestone program unlocking up to ₹70 and 000 in extra value. However, keep in mind that Extremely high joining and annual fee of ₹20 and 000 + GST. Overall, Times Black ICICI Credit Card delivers strong value if your regular spending aligns with Super Premium, Travel, Lifestyle, Rewards.
You can apply for Times Black ICICI Credit Card directly through ICICI Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
