Times Black ICICI Bank Credit Card
ICICI Bank · Visa · Super Premium card
The low 1.49% forex markup and unlimited lounge access are the dependable value drivers; reward points are modeled at the issuer’s conservative statement-credit value.
Very high spenders seeking luxury travel and lifestyle privileges without tier-chasing.
Terms checked 13 Sept 2026
- Annual fee
- ₹20,000 + GST
- Joining fee
- ₹20,000 + GST
- Base reward rate
- 2%
- Forex markup
- 1.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 2.5% |
| Online shopping | 2% |
| Dining & delivery | 2% |
| Groceries & essentials | 2% |
| Travel & hotels | 2% |
| Bills & utilities | 2% |
| Subscriptions & streaming | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Offline store shopping | 2% |
| Insurance premiums | 2% |
| Education & family | 2% |
| Healthcare & pharmacy | 2% |
| Other miscellaneous | 2% |
| Gold & jewellery | 2% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹25,00,000 annual spending
- Monthly income requirement
- Approx. ₹2,00,000/month salaried · ₹2,00,000/month self-employed
Airport lounge access
Unlimited domestic airport lounge visits • Unlimited international airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Access applies to primary and add-on cardholders.
1 international airport lounge visit per year · Priority Pass
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Priority Pass is issued for primary and add-on cardholders.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Regulated-category points
Usage-based value2% headline value at the maximum ₹1 redemption rate, subject to one combined 5,000-point statement-cycle cap across utilities, insurance, education and government payments.
International reward value
Usage-based value2.5% headline value on eligible international purchases at the maximum ₹1-per-point redemption value.
Other domestic reward value
Usage-based value2% headline value on eligible domestic purchases at the maximum ₹1-per-point redemption value.
2% domestic and 2.5% international reward earning at the maximum ₹1 redemption value
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹20,000₹20,000 annual fee before applicable tax.
Joining fee
Cost ₹20,000₹20,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹20,000Annual fee may be waived after ₹25,00,000 of eligible annual spending.
Conditions: Reach ₹25,00,000 eligible annual spending
Welcome benefits · 5 items
Luxury-stay welcome benefit
Recorded value ₹10,000Choice of a ₹10,000 EaseMyTrip benefit or ₹12,000 Lohono benefit; the lower option is valued.
Conditions: Pay the applicable joining fee · Choose one eligible stay benefit under fulfilment terms
₹3,000 Toni&Guy benefit
Recorded value ₹3,000Lifestyle benefit included in the published joining package.
Conditions: Pay the applicable joining fee · Partner fulfilment and validity terms apply
₹1,000 Interflora benefit
Recorded value ₹1,000Lifestyle benefit included in the published joining package.
Conditions: Pay the applicable joining fee · Partner fulfilment and validity terms apply
Annual Zomato Gold membership
Shown without a cash valueComplimentary membership included in the published package.
Conditions: Complete issuer fulfilment · Zomato membership terms apply
Luxury-stay welcome choice: ₹10,000 EaseMyTrip or ₹12,000 Lohono benefit
Shown without a cash value
Spend milestones · 4 items
₹10,000 Klook voucher at ₹2 lakh
Recorded value ₹10,000Unlocked after ₹2,00,000 of eligible spending.
Conditions: Reach ₹2,00,000 per card anniversary year
₹10,000 WeWork or airport-transfer benefit at ₹5 lakh
Recorded value ₹10,000Unlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
₹10,000 Tata CLiQ Luxury voucher at ₹10 lakh
Recorded value ₹10,000Unlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
₹20,000 Ayatana or Lohono stay at ₹20 lakh
Recorded value ₹20,000Unlocked after ₹20,00,000 of eligible spending.
Conditions: Reach ₹20,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Access applies to primary and add-on cardholders.
International lounge access
Usage-based valueUnlimited visits through Priority Pass. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Priority Pass is issued for primary and add-on cardholders.
Insurance and protection · 2 items
Complimentary air-accident cover under issuer terms
Shown without a cash valueTravel cancellation refund benefit up to ₹12,000
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver
Shown without a cash value
Memberships · 1 item
Annual Zomato Gold membership
Shown without a cash value
Concierge · 2 items
Premium concierge and travel privileges
Shown without a cash value1.49% forex markup with premium stay, dining and concierge benefits
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹2,00,000. Self-employed threshold is derived from the published ₹24 lakh annual income requirement.
Other benefits · 1 item
₹3,000 Toni&Guy and ₹1,000 Interflora lifestyle benefits
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 2% domestic and 2.5% international reward earning at the maximum ₹1 redemption value
- ✓ Unlimited domestic and international lounge access
- ✓ ₹10,000 milestone benefits at ₹2 lakh, ₹5 lakh and ₹10 lakh, plus ₹20,000 at ₹20 lakh
- ✓ 1.49% forex markup with premium stay, dining and concierge benefits
What to watch
Requires very high spend eligibility to be offered; the ₹25L waiver threshold signals who this card is actually built for.
Recorded exclusions
Fuel Commute · Rent · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026