ICICI

Times Black Credit Card

Good for frequent travelers with unlimited lounge access.

ICICI VISA

Times Black

SUPER PREMIUM

Should you get this?

Conditional fit

Verified

Why this card

Unlimited lounge access is a clear travel strength.
Forex markup is low at 1.49%.
You use airport lounges often.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹20,000) is waived only after ₹25,00,000 of eligible annual spend.

Annual fee ₹20,000 per year

Rewards 2 pts / ₹100

Lounge access ∞ unlimited domestic

Forex markup 1.49% moderate

Compare with Axis Bank Burgundy Private →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend2 pts / ₹100——

Annual fee break-even math

When does this card pay for itself

₹25L yearly spend to waive the annual fee

Annual fee is ₹20,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Point value

Not published by issuer — varies by redemption

Base earn

2 points per ₹100

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹25,00,000yearAnnual fee waiverbehavior distortingstrong

Watch outs

Before choosing this card

Annual fee is ₹20,000, so value depends on actual usage.
Fee waiver requires ₹25,00,000 annual spend.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
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 facts

Benefits

Lounge Access

Domestic (cardholder): Unlimited · verified 6 Jul 2026

6 sources agree · verify issuer terms before applying

Where to verify

ICICI official Times Black Icici page
CardInsider
PaisaBazaar
Issuer site (verify current terms) , opens external site
Issuer site (verified manually) , opens external site
Operator-verified anchor
International (cardholder): Unlimited — via Requires Priority Pass card

6 sources agree · verify issuer terms before applying

Where to verify

ICICI official Times Black Icici page
CardInsider
PaisaBazaar
Issuer site (verify current terms) , opens external site
Issuer site (verified manually) , opens external site
Operator-verified anchor
Guest access: Guests: paid access
ICICI domestic airport lounge list , opens external site

Rewards

Points per ₹100: 2 points per ₹100 value depends on redemption

Insurance Cover

Air accident cover: ₹3 crore · verified 6 Jul 2026
Lost card liability cover: ₹50,000 · verified 6 Jul 2026
Underwriter: Insured by ICICI Lombard General Insurance Company Limited · verified 7 Jul 2026

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹20,000
Joining fee: ₹20,000
Fee waiver spend: ₹25,00,000 Above catalog median waiver (₹2,00,000 vs ₹25,00,000).
Interest-free period: Up to 48 days · verified 7 Jul 2026

International Use

Forex markup: 1.49%

4 sources agree · verify issuer terms before applying

Where to verify

ICICI official Times Black Icici page
CardInsider
PaisaBazaar
Issuer site (verify current terms) , opens external site
Product tier: Super-premium

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

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ICICI Bank Times Black

Axis Bank Burgundy Private

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Axis Bank Magnus

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ICICI Bank Times Black

Axis Bank Primus

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ICICI Bank Times Black

HDFC Bank Diners Club Black

The fine print

Caps · exclusions · earning · redemption · last refresh

Latest update

Annual fee: ₹20,000.
Forex markup currently listed at 1.49%.
Unlimited domestic lounge · Unlimited international.

Common questions

From verified card facts

Is this good for lounge access?

Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 1.49%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies at ₹25,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹10,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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