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ICICI Bank
ICICI Bank Business Advantage Black
Visa
ICICI Bank Business Advantage Black
ICICI's mainstream business card - a flat 1% cashback on eligible business spend (capped at ₹2,000/month), some lounge access, and low fees that are easy to waive with routine turnover, but reward economics are unremarkable once you hit the cap.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
15% off dining bills at 2,500+ Culinary Treats partner restaurants across 11 cities
- ✈️ Travel
2 complimentary domestic airport lounge visits per quarter
- ⛽ Fuel
1% fuel surcharge waiver at HPCL pumps, capped ₹500/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Benefits
- 2 complimentary domestic airport lounge visits per quarter
- 1% fuel surcharge waiver at HPCL pumps, capped ₹500/month
- 15% off dining bills at 2,500+ Culinary Treats partner restaurants across 11 cities
Pros
- + Easy fee waiver on routine business spend
- + Domestic lounge access + dining discounts
- + Employee add-on cards with spend controls
Cons
- − Cashback capped at ₹2,000/month
- − No accelerated rate on any specific category