Which card has a lower forex fee: Axis Bank Burgundy Private Credit Card or Times Black ICICI Bank Credit Card?

Axis Bank Burgundy Private Credit Card has lower forex markup (0% vs 1.49%).

Which card has a lower annual fee: Axis Bank Burgundy Private Credit Card or Times Black ICICI Bank Credit Card?

Times Black ICICI Bank Credit Card has a lower annual fee (₹20,000 annual fee vs ₹50,000 annual fee).

Which card offers better lounge access?

Axis Bank Burgundy Private Credit Card: Unlimited domestic lounge + Unlimited international. Times Black ICICI Bank Credit Card: Unlimited domestic lounge + Unlimited international.

Which card has a higher base reward rate?

Axis Bank Burgundy Private Credit Card has higher conservative base reward value (~1.5% vs ~0.8%).

Pairwise comparison Compare 3+ cards →

Axis Bank Burgundy Private vs ICICI Bank Times Black Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Burgundy Private and the ICICI Bank Times Black. Verify fees, lounge access, forex markup, and base rewards before you apply.

Burgundy Private

Times Black

The short answer

Verdict

Pick Burgundy Private for travel, spending abroad and rewards.

Head-to-head

Three core metrics

Annual fee

Burgundy Private ₹50,000 Annual-fee waiver not offered

Times Black ₹20,000 Waivable at ₹25,00,000 spend

Times Black saves ₹30,000/yr
Forex markup

Burgundy Private 0%

Times Black 1.49%

Burgundy Private saves ~₹1,490 per ₹1L abroad
Domestic lounge

Burgundy Private Unlimited

Times Black Unlimited

Reward earning explained

Per card

Burgundy Private

7.5 EDGE Reward Points / ₹100

Strong data

Times Black

2 pts / ₹100

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Burgundy Private: ₹50,000 vs ICICI Bank Times Black: ₹20,000), forex markup (0% vs 1.49%), or lounge access (Unlimited vs Unlimited).

Travel Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for travel

Axis Bank Burgundy Private is stronger here. Forex markup is 0%.
Forex markup Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for forex

Axis Bank Burgundy Private is stronger here. Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for rewards

Axis Bank Burgundy Private is stronger here. Axis Bank Burgundy Private conservative base value ~1.5% vs ICICI Bank Times Black's ~0.8%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Burgundy Private: ~₹750/month at base rate
Times Black ICICI Bank: ~₹400/month at base rate

Illustrative only, using current base rates before caps.

Field	Burgundy Private Axis Bank	Times Black ICICI Bank
Insurance — Air accident cover Only available for Times Black ICICI Bank	Not specified	₹3 crore
Insurance — Lost card liability cover Only available for Times Black ICICI Bank	Not specified	₹50,000
Insurance — Underwriter Only available for Times Black ICICI Bank	Not specified	Insured by ICICI Lombard General Insurance Company Limited
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 1.49%	0%	1.49%
Fees
Recurring annual fee ₹50,000 vs ₹20,000	₹50,000	₹20,000
Annual-fee waiver Not offered vs ₹25,00,000	Not offered	₹25,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Monthly interest rate 1.5% / month vs 3.75% / month	1.5% / month	3.75% / month
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · up to ₹4,000 transactions	1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap	1% surcharge waiver · up to ₹4,000 transactions
Rewards
Points per ₹100 7.5 EDGE Reward Points / ₹100 vs 2 pts / ₹100	7.5 EDGE Reward Points / ₹100	2 pts / ₹100
Conservative base value ~1.5% vs ~0.8%	~1.5%	~0.8%
Earn ceiling 6,000 EDGE Reward Points per month; at 7.5 EDGE Reward Points / ₹100, this lane reaches the cap at ₹80,000 of eligible spend vs Not stated	6,000 EDGE Reward Points per month; at 7.5 EDGE Reward Points / ₹100, this lane reaches the cap at ₹80,000 of eligible spend	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Times Black ICICI Bank	Not specified	₹0.4

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank Burgundy Private

Verify with issuer

ICICI Bank Times Black

Verify with issuer