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ICICI Bank · Visa · हिन्दी

Times Black ICICI Bank Credit Card: full review

The Times Black ICICI Bank Credit Card is built specifically for ultra-high-net-worth individuals, not a stretch goal for a typical premium-card user. The unlimited global lounge access and genuine luxury perks are real, but the fee is steep and the actual statement-redemption value of reward points is meaningfully lower than the headline ₹1/point figure suggests. This only makes sense if you can genuinely use the lifestyle benefits, not just the card status.

Apply now ↗Annual fee: ₹20,000 + taxes
Last updated: August 2026 · Current terms verified
ICICI BANK
VISA
)))
TIMES BLACK
ASHOK KUMAR
12/28
₹20,000 + taxes (waived on ₹25,00,000/year spend, from 2nd year)Annual fee
2% reward points on domestic spend; 2.5% on international spendReward structure
Unlimited domestic + unlimited international (via Priority Pass, 1,400+ lounges)Lounge access
Unlimited complimentary domestic and international lounge access via Priority PassComplimentary annual Zomato Gold membershipLuxury stay gift card worth ₹10,000 (EaseMyTrip) or ₹12,000 (Lohono)Low 1.49% forex markup, among the lowest for a super-premium card24x7 concierge services and CribLife lifestyle management (6 offerings)Tata CLiQ Luxury Gift Card worth ₹10,000 on ₹10,00,000 annual spendNo cancellation charges on domestic flight/hotel bookings, up to ₹12,000
Apply now ↗ Min. income: ₹24,00,000+/year (₹2,00,000+/month if salaried) · Credit score: 750+
Pros and cons
Pros
✓ Unlimited lounge access, both domestic and international, genuinely unrestricted
✓ Among the lowest forex markup (1.49%) in the super-premium segment
✓ Real, usable luxury lifestyle perks beyond just travel
✓ Fee waiver from year 2 is achievable for genuinely high spenders
Cons
✗ ₹20,000 + GST joining and annual fee, among the highest in the market
✗ Extremely high income requirement, genuinely built for UHNIs only
✗ Reward points are worth up to ₹1 each, but redemption against your statement is only ₹0.40/point
✗ No rewards earned on fuel, rent, or EMI-converted transactions
Quick facts
Issuer ICICI Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹20,000 + taxes (waived on ₹25,00,000/year spend, from 2nd year)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹20,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic + unlimited international (via Priority Pass, 1,400+ lounges)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.49%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹24,00,000+/year (₹2,00,000+/month if salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceICICI Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Times Black ICICI Bank Credit Card is ₹20,000 + taxes (waived on ₹25,00,000/year spend, from 2nd year). The joining fee is ₹20,000.
2% reward points on domestic spend; 2.5% on international spend
Times Black ICICI Bank Credit Card is best for Ultra-high-net-worth individuals wanting unlimited global lounge access and genuine luxury lifestyle perks. The Times Black ICICI Bank Credit Card is built specifically for ultra-high-net-worth individuals, not a stretch goal for a typical premium-card user. The unlimited global lounge access and genuine luxury perks are real, but the fee is steep and the actual statement-redemption value of reward points is meaningfully lower than the headline ₹1/point figure suggests. This only makes sense if you can genuinely use the lifestyle benefits, not just the card status.
The minimum income requirement for Times Black ICICI Bank Credit Card is ₹24,00,000+/year (₹2,00,000+/month if salaried). A minimum credit score of 750+ is also recommended.
Yes, Times Black ICICI Bank Credit Card offers Unlimited domestic + unlimited international (via Priority Pass, 1,400+ lounges).
Times Black ICICI Bank Credit Card charges a 1.49% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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Times Black ICICI Bank₹20,000 + taxes
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