- Annual fee ₹12,000 Waivable at ₹10,00,000 spend
- Forex markup 2%
- Domestic lounge Unlimited
Pairwise comparison
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ICICI Bank Emeralde vs ICICI Bank Times Black Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank Emeralde and the ICICI Bank Times Black. Verify fees, lounge access, forex markup, and base rewards before you apply.
Travel ICICI Bank Times Black Forex ICICI Bank Times Black
Quick comparison
Three core metrics- Annual fee ₹20,000 Waivable at ₹25,00,000 spend
- Forex markup 1.49%
- Domestic lounge Unlimited
Reward earning explained
Per card6 pts / ₹100 on General spend
Limited data2 pts / ₹100 on General spend
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank Emeralde: ₹12,000 vs ICICI Bank Times Black: ₹20,000), forex markup (2% vs 1.49%), or lounge access (Unlimited vs Unlimited).
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Travel ICICI Bank Times Black wins ICICI Bank Times Black is better for travel
ICICI Bank Times Black is stronger here. ICICI Bank Times Black is cheaper for international spend (1.49% vs 2% forex).
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Forex markup ICICI Bank Times Black wins ICICI Bank Times Black is better for forex
ICICI Bank Times Black is stronger here. ICICI Bank Times Black has a lower forex markup (1.49% vs 2%).
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards Tie Both cards are similar for rewards
Estimated base reward value is ~1.5% on base spend. Estimated base reward value is ~2% on base spend.
Confidence: Low (limited information available)
Verify with issuer (opens in new tab)Confidence: Low (limited information available)
Verify with issuer (opens in new tab)All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Emeralde: Base earn not clearly specified
- Times Black ICICI Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Emeralde ICICI Bank | Times Black ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup Limited support — verify with issuer. 2% vs 1.49% | 2% | 1.49% |
| Fees | ||
| Annual fee ₹12,000 vs ₹20,000 | ₹12,000 | ₹20,000 |
| Joining fee ₹12,000 vs ₹20,000 | ₹12,000 | ₹20,000 |
| Fee waiver spend ₹10,00,000 vs ₹25,00,000 | ₹10,00,000 | ₹25,00,000 |
| Rewards | ||
| Points per ₹100 6 pts vs 2 pts | 6 pts | 2 pts |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.