ICICI
ICICI Bank Times Black Credit Card
Super-premium card · strong domestic lounge with international visits on file · fee waiver achievable around ₹25L annual spend · 1.49% forex markup.
- Good for travel 1.5% forex · unlimited lounge
- Moderate forex 1.5% forex markup
- Strong lounge access Unlimited domestic lounge access
- High rewards 2 pts / ₹100 on General spend
Annual fee ₹20,000 per year
Forex markup 1.49% moderate
Lounge access ∞ unlimited domestic
Rewards / ₹100 2 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹20,000
- Joining fee
- ₹20,000
- Forex markup
- 1.49%
- Lounge access
- Unlimited domestic lounge
- Reward rate
- 2 pts / ₹100
What you'd do with it
- Best for frequent domestic airport travel where unlimited lounge access matters.
- Competitive for day-to-day rewards with an estimated base return around 2.0%.
Best for
- Good for travel
- Strong lounge access
- High rewards
Not the best for
- High annual fee (₹20,000)
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver is on file at ₹25,00,000 annual spend.
- Forex markup is low at 1.49%.
- Lounge access is on file.
Watch out for
- Annual fee is ₹20,000, so value depends on actual usage.
- Fee waiver requires ₹25,00,000 annual spend.
- One or more decision fields have source disagreement; verify before applying.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn)
- Fee waiver unlikely at this spend
- Forex cost ~₹750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- Unlimited
- International visits
- 12/year
Rewards
- Points per ₹100
- 2 pts
Fees & charges
Fees
- Annual fee
- ₹20,000
- Joining fee
- ₹20,000
- Fee waiver spend
- ₹25,00,000
International Use
- Forex markup
- 1.49%
- Product tier
- Super-premium
Annual fee break-even math
When does this card pay for itself ₹10L
yearly spend to offset ₹20,000 fee
At base earn rates, you need roughly ₹10L in yearly spend to offset the ₹20,000 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹20,000.
- Forex markup currently listed at 1.49%.
- Unlimited domestic lounge is on file in the latest refinery snapshot.