Joining Fee
₹20,000
Annual Fee
Rs. 20000 (Reversed on annual spends of Rs. 25 Lakhs)
Forex Markup
1.49% + GST
Late Payment Charges
Minimum ₹100 · Maximum ₹1,300
Times Black
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹1
Earning Cap
₹5,000 /statement_cycle
Pros
- Unlimited domestic and international lounge access
- Very low forex markup of 1.49%
- Luxury stay and lifestyle milestone benefits
- No cancellation charge refund up to ₹12,000
- 24x7 concierge services
- Annual fee waiver on ₹25 lakh spend
Cons
- Very high joining and annual fee of ₹20,000 + GST
- Reward points capped at 5,000 per statement cycle for utility, insurance, education and government payments
- No reward points on fuel, rent, or EMI transactions
- Redemption against statement at lower rate of ₹0.40 per point
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
5,000 reward points cap per statement cycle for utility, insurance, education and government payments
No reward points earned on fuel, rent or EMI transactions
Redemption rate against statement is only ₹0.40 per reward point vs ₹1 maximum value
Annual fee waiver requires ₹25 lakh spend in previous year
Milestone benefits accessible for only 6 months from notification date
Key Benefits & Features
No cancellation charges on domestic flight and hotel bookings, refund up to ₹12,000
Lifestyle Gift Cards from Toni and Guy (₹3,000) and Interflora (₹1,000) worth ₹4,000 total
Elite Club access: special offers at The Quorum Club and dining discounts at select restaurants
CribLife lifestyle management services with 6 exclusive offerings
Travel visa benefits with Atlys and OneVasco
Eligibility Criteria
Min. Annual Income
₹24.0 Lakhs
Age Requirement
21+ Years
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Times Black
The Times Black ICICI Bank Credit Card is an exclusive offering issued in association with Times Internet Ltd. and Visa, designed specifically for Ultra-High Net Worth Individuals (UHNIs) who seek unparalleled luxury, travel, and lifestyle privileges. With a joining and annual fee of ₹20,000 plus GST, this card positions itself as a premium companion for those who expect the finest in every experience, offering an annual fee waiver on spends exceeding ₹25 lakh in the previous year. Cardholders enjoy a rich suite of welcome and milestone benefits, including luxury stay gift cards from EaseMyTrip or Lohono, lifestyle gift cards from Toni and Guy and Interflora, and a Tata CLiQ Luxury Gift Card worth ₹10,000 on milestone spends. Travel perks include unlimited complimentary domestic and international airport lounge access via Priority Pass, covering over 1,400 lounges across 145+ countries, a competitive 1.49% forex markup, visa assistance, and no cancellation charges on domestic flight and hotel bookings up to ₹12,000. Beyond travel, the card delivers curated lifestyle management services through CribLife, exclusive access to The Quorum Club, Zomato Gold membership, international experiences on Klook, and 24x7 concierge support. Cardholders earn 2.5% reward points on international spends and 2% on domestic spends, redeemable across categories including travel, fashion, electronics, and shopping vouchers.
Our Verdict
Ultra-premium card for UHNIs with luxury stays, unlimited lounge access & curated lifestyle benefits.
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