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ICICI Bank Times Black Credit Card
ICICI's ultra-premium metal card for UHNI spenders — unlimited global lounge access via Priority Pass, an unusually low 1.49% forex markup that undercuts even most other super-premium cards, and high-value lifestyle perks like Zomato Gold and a luxury-stay voucher. It's built for cardholders who travel constantly and can comfortably clear the ₹25 lakh annual spend needed to waive the steep ₹20,000 fee.
Annual fee
₹20,000
Joining fee
₹20,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Zomato Gold annual membership; Quorum Club offers and dining discounts at select restaurants
- Rewards rate: 2% base rate
- Domestic lounge access: Unlimited complimentary domestic airport lounge access (swipe entry)
- International lounge access: Unlimited complimentary international lounge access via Priority Pass (1,900+ lounges in 145+ countries)
Benefits by category
- ✈️ Travel
2.5% reward rate · Unlimited domestic and international airport lounge access via Priority Pass, covering 1,900+ lounges across 145+ countries for both primary and add-on cardholders
- 🛡️ Insurance
Air accident insurance cover for the primary cardholder on card-purchased tickets
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations nationwide, not restricted to a single oil marketing company
- 🌍 Forex / international spend
1.49% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹2,00,000
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 1.49%
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Unlimited domestic and international airport lounge access via Priority Pass, covering 1,900+ lounges across 145+ countries for both primary and add-on cardholders
- Complimentary Zomato Gold annual membership plus a choice of EaseMyTrip luxury-stay gift card worth ₹10,000 or a Lohono premium villa stay worth ₹12,000
- Air accident insurance cover for the primary cardholder on card-purchased tickets
- 1% fuel surcharge waiver at all fuel stations nationwide, not restricted to a single oil marketing company
Pros
- + Unlimited domestic and international lounge access via Priority Pass
- + Exceptionally low 1.49% forex markup, best-in-class for a super-premium card
- + High-value lifestyle perks — Zomato Gold membership plus a luxury-stay voucher worth up to ₹12,000
- + Fuel surcharge waiver applies at any fuel station, not just one oil company's network
Cons
- − Very high joining/annual fee (₹20,000)
- − Steep income eligibility bar (₹2 lakh/month)
- − Fee waiver requires ₹25 lakh annual spend, out of reach for most cardholders
Best for
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