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ICICI Bank
ICICI Bank Times Black Credit Card
Visa
ICICI Bank Times Black Credit Card
ICICI's ultra-premium metal card for UHNI spenders, offering unlimited global lounge access, an unusually low forex markup and high-value lifestyle perks at a steep annual fee.
Rates and fees last verified 14 September 2026.
Annual fee
₹20,000
Joining fee
₹20,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Travel2.5%
Eligibility
- Minimum monthly income: ₹2,00,000
- Employment: salaried, self-employed
Benefits
- Unlimited domestic and international airport lounge access via Priority Pass (1,900+ lounges in 145+ countries)
- Zomato Gold annual membership; EaseMyTrip luxury-stay gift card worth ₹10,000 or Lohono stay worth ₹12,000
- Air accident insurance cover
- 1% fuel surcharge waiver at all fuel stations
Pros
- + Unlimited domestic & international lounge access
- + Low forex markup for a super-premium card (1.49%)
- + High-value lifestyle perks (Zomato Gold, luxury-stay vouchers)
Cons
- − Very high joining/annual fee (₹20,000)
- − High income eligibility bar (₹2 lakh/month)
- − Fee waiver requires ₹25 lakh annual spend
Applying takes you to ICICI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.