Times Black ICICI Bank Credit Card

Key Features & Benefits

The Times Black ICICI Bank Credit Card is designed for affluent individuals who value luxury experiences and exclusive privileges. You’ll earn generous rewards at 2.5% on all international transactions and 2% on domestic spends with no capping, ensuring maximum value on every purchase. The card grants you unlimited access to domestic and international airport lounges through Priority Pass, making your travel experience seamless and comfortable.

Beyond travel, you gain membership to The Quorum Club, offering access to premium events, networking opportunities, and exclusive experiences. The card includes six curated luxury offerings annually through CribLife lifestyle management services, along with significant dining benefits through Zomato Gold membership. As a welcome gesture, you receive a luxury stay gift card worth up to ₹12,000, and upon spending ₹20 lakhs annually, you’re rewarded with an additional one-night luxury stay from premium partners like Ayatana or Lohono.

The Times Black card also provides practical benefits like 1% fuel surcharge waiver across India, zero cancellation charges on domestic bookings up to ₹12,000, and complimentary services including visa-at-home and luxury airport transfers. With no cash advance fees and comprehensive air accident insurance, this card combines luxury lifestyle benefits with everyday utility for discerning cardholders.

All You Need to Know About: Times Black ICICI Bank Credit Card

The Times Black ICICI Bank Credit Card is a premium offering designed specifically for affluent cardholders seeking luxury travel benefits, exclusive lifestyle experiences, and high reward rates. Launched as a collaboration between ICICI Bank and The Times Group, this card positions itself in the super-premium segment with a hefty annual fee of ₹20,000 plus GST, which is waived on annual spends exceeding ₹25 lakhs. The card is powered by the Visa network and requires minimum annual income of ₹24 lakhs for eligibility, making it accessible only to high-net-worth individuals aged 21 years and above.

The rewards structure is straightforward and generous, offering 2.5% on all international transactions and 2% on domestic spends with no capping whatsoever. This unlimited reward earning potential makes it attractive for big spenders who can maximize returns on every purchase. The foreign exchange markup stands at 1.49% plus GST, effectively 1.76%, which is competitive within the premium card segment. Additionally, cardholders enjoy a 1% fuel surcharge waiver across all fuel stations in India, adding everyday utility to the premium positioning.

Travel benefits form the cornerstone of this card’s value proposition. Cardholders receive unlimited complimentary access to both domestic and international airport lounges through Priority Pass membership, with no spending conditions or quarterly limits. The welcome benefits include a luxury stay gift card worth either ₹10,000 from EaseMyTrip or ₹12,000 from Lohono, providing immediate value upon card acquisition. Furthermore, achieving annual spends of ₹20 lakhs unlocks an additional one-night luxury stay at premium properties from partners like Ayatana or Lohono. The card also waives cancellation charges up to ₹12,000 on domestic flight and hotel bookings, along with providing visa-at-home services and luxury airport transfers.

The Times Black card’s true differentiation lies in its exclusive lifestyle privileges. Cardholders gain membership to The Quorum Club, an invitation-only community offering access to premium events, networking opportunities with like-minded individuals, and exclusive experiences across art, culture, sports, and entertainment. Through CribLife, members receive six curated luxury offerings annually, including personalized lifestyle management services. Dining enthusiasts benefit from annual Zomato Gold membership, providing access to premier restaurants with exclusive discounts and priority reservations at select high-end establishments. The card also includes partnerships with travel services like Klook, Atlys, and OneVasco, comprehensive air accident insurance coverage, and dedicated privileges at luxury events and retail partners. With no cash advance fees for ATM withdrawals and interest charges of 3.75% per month on unpaid balances, the Times Black ICICI Bank Credit Card delivers a comprehensive premium experience for individuals who value both tangible rewards and aspirational lifestyle access.

Pros & Cons

How to Apply

Applying for the Times Black ICICI Bank Credit Card is straightforward for eligible individuals. Visit the official ICICI Bank website and navigate to the credit cards section, where you’ll find the Times Black card listing. Click on “Apply Now” and complete the online application form with your personal, income, and employment details. You’ll need to provide documentation including income proof showing minimum annual earnings of ₹24 lakhs, identity verification, and address proof. Submit your application online, and ICICI Bank will review your eligibility and credit profile. Once approved, your card will be delivered to your registered address, typically within 7-10 working days, along with your Priority Pass and welcome benefits details.

Detailed Fee Structure

The Times Black ICICI Bank Credit Card comes with a joining fee of ₹20,000 plus GST (totaling approximately ₹23,600) and an annual renewal fee of ₹20,000 plus GST. However, the annual fee is completely waived if you spend ₹25 lakhs or more during your card membership year, making it attractive for high spenders. The card charges no cash advance fees for ATM withdrawals, which is uncommon in the premium segment.

For international transactions, a forex markup of 1.49% plus GST (effective 1.76%) applies. Late payment charges range from ₹100 to ₹1,300 depending on your outstanding amount, and if you pay only the minimum due, interest accrues at 3.75% per month (45% annually) on the remaining balance. The card provides a 1% fuel surcharge waiver at all fuel stations across India. There are no charges for lounge access, and cancellation fees up to ₹12,000 on domestic flight and hotel bookings are waived, adding significant value for frequent travelers.

Who Should Get This Card?

The Times Black ICICI Bank Credit Card is ideal for high-net-worth individuals with annual income exceeding ₹24 lakhs who spend substantially on lifestyle, travel, and dining. If you’re a frequent international traveler who can leverage the 2.5% rewards on forex spends and unlimited global lounge access, this card delivers exceptional value. It’s perfect for affluent professionals, business owners, and entrepreneurs who appreciate exclusive experiences like Quorum Club membership, luxury hotel stays, and curated lifestyle services. The card best suits those who can comfortably spend ₹25 lakhs annually to waive the ₹20,000 fee, making it a premium choice for individuals seeking status, comprehensive travel benefits, and access to exclusive events and dining privileges through partnerships with Zomato Gold and premium restaurants.

Alternatives & Competitor Comparison

Feature	Times Black ICICI Bank Credit Card	Axis Bank Reserve Credit Card
Card Image
Card Network	Visa	Visa
USP	The Times Black ICICI Bank Credit Card delivers premium rewards with 2.5% on international and 2% on domestic spends, unlimited global lounge access, exclusive Quorum Club privileges, luxury hotel stays, and curated lifestyle experiences for high-net-worth individuals seeking exceptional travel and dining benefits.	The Axis Bank Reserve Credit Card delivers 3% rewards on international spends up to your credit limit, unlimited global lounge access, and premium lifestyle memberships including Club Marriott and ITC Culinaire, making it the ultimate luxury travel and dining companion for high-net-worth individuals.
Annual Fee	20000 Plus GST	50000 Plus GST
Joining Fee	20000 Plus GST	50000 Plus GST
Welcome Benefits	Luxury Stay Gift Card worth ₹10,000 from EaseMyTrip or ₹12,000 from Lohono; Annual Zomato Gold membership	50,000 EDGE reward points as joining and renewal benefit
Lounge Access	Domestic: Unlimited | International: Unlimited	Domestic: Unlimited | International: Unlimited Unlimited access for primary and add-on cardholders
Reward Rate	Earn 2.5% rewards on international spends and 2% on domestic spends. Unlimited rewards with no capping.	Earn 1.5% EDGE reward points on domestic spends, 3% on international spends up to credit limit per month (then 1.5%). Excluded categories: Utility, Telecom, Rent (capped at ₹1 lakh/month), Wallet, Government, Insurance, Gold & Jewellery, Fuel, Cash advances, Repayments.
Interest Rate	3.75% per month (45% per annum)	3% per month (42.58% per annum)
Best For	Lounge Access, Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions