The verdict
A high-fee luxury card with substantial advertised benefits, but redemption and benefit terms need verification before valuing the package.
The maths for it
The page advertises luxury-stay, lifestyle and spend-milestone gift cards with stated face values; realized value is not established.
The maths against
₹20,000 + GST each joining and annual fee; the next annual waiver needs over ₹25 lakh qualifying spend.
✓What works
- +Unlimited domestic and international lounge access advertised for primary and Plus cardholders.
- +1.49% forex markup is listed on the product page.
✕What doesn't
- −Large fee and ₹25 lakh annual-fee waiver threshold.
- −Gift card use, reward credit, exclusions and lounge program terms remain unresolved.
What it earns
Page advertises 2.5% international and 2% domestic spend, without enough mechanics to equate them to cash return.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| International spend | 2.5% advertised; mechanics pending | — | — |
| Domestic spend | 2% advertised; mechanics pending | — | — |
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
Voucher and merchandise categories are listed; conversion and redemption conditions require current program terms.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Luxury stay gift card advertised at ₹10,000 EaseMyTrip or ₹12,000 Lohono face value; eligibility pending.
- +Spend milestones advertised at ₹2 lakh, ₹5 lakh, ₹10 lakh and ₹20 lakh; qualifying-spend and fulfillment terms pending.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining fee | ₹20,000 + GST |
| Annual fee | ₹20,000 + GST; next year waived after spend over ₹25 lakh |
| Forex markup | 1.49%; taxes and transaction conditions pending |
Eligibility & Approval Criteria
Target Profile: High-spend users who can use the stated travel and lifestyle offers
Frequently Asked Questions
Kya Times Black ICICI Bank Credit Card par airport lounge access milta hai?
Haan. Unlimited domestic and international access advertised for primary and Plus cardholders; program conditions pending
Times Black ICICI Bank Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹20,000 + GST; next year waived after spend over ₹25 lakh hai. Fee waiver condition: Next annual fee waived after spending over ₹25 lakh; qualifying-spend terms pending. Foreign currency markup: 1.49%; taxes and transaction conditions pending. Baaki ya missing charges ke liye bank ka current MITC check karein.
Times Black ICICI Bank Credit Card par reward rate aur points ki real rupee value kya hai?
Published earn rate: 2.5% international and 2% domestic spend advertised; credit and redemption mechanics pending. Point value ke liye bank ke current terms check karein.
Times Black ICICI Bank Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
Verified card details mein reward exclusions listed nahi hain. Fuel surcharge waiver ke liye bank ke terms check karein.
2026 mein Times Black ICICI Bank Credit Card kin users ke liye best suited hai?
Card details ke mutabik yeh "High-spend users who can use the stated travel and lifestyle offers" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: Times Black ICICI Bank Credit Card
Times Black ICICI Bank Credit Card ICICI Bank aur Times Internet ke collaborative partnership mein develop kiya gaya ek super-premium luxury lifestyle product hai. High-net-worth media executives, international travelers aur affluent lifestyle spenders ke liye tailor kiya gaya yeh card ultra-competitive foreign exchange tariffs, seamless worldwide lounge access aur curated luxury hospitality par focus karta hai.
Key Privileges aur Everyday Benefits
- Market-Leading 1.49% Forex Markup:
- Is card ka sabse bada attraction iska rock-bottom 1.49% + taxes ka foreign currency markup fee hai. Standard credit cards ke 3.5% markup ke samne yeh international flights, overseas shopping aur luxury stays par direct heavy savings provide karta hai.
- Unrestricted Global Lounge Access:
- Primary aur Plus cardholders dono ke liye domestic aur international airport lounges par unlimited complimentary lounge access available hai, bina kisi quarterly spend hurdles ke.
- Transparent Spend-Based Earning:
- Card international spending par 2.5% value aur domestic spending par 2.0% value advertise karta hai, jo global merchant spends par solid returns deta hai.
- Curated Luxury Hospitality & Vouchers:
- Cardholders ko EaseMyTrip aur Lohono Stays jaise luxury partners ke through curated travel aur private villa holiday vouchers ka access milta hai.
- Tiered Milestone Privileges:
- Annual card spending ke basis par ₹2 lakh, ₹5 lakh, ₹10 lakh aur ₹20 lakh ke milestones achieve karne par exclusive lifestyle gifts unlock hote hain.
- Annual Spend Fee Waiver:
- Card anniversary year mein ₹25 lakh ka annual spend achieve karne par agle saal ki ₹20,000 + GST renewal fee complete waive off ho jaati hai.
Important Terms jo Samajhna Zaroori Hai
Card ka right assessment karne ke liye kuch practical points note karein:
- Substantial Annual Outlay: Joining aur annual fee ₹20,000 + GST hai. Is annual cost ko justify karne ke liye cardholders ko iske 1.49% low forex rate, unlimited lounge comfort aur luxury vouchers ka active use karna zaroori hai.
- High Waiver Threshold: ₹25 lakh annual spend waiver high-volume corporate spenders ke liye designed hai; moderate spenders ko card ke organic privileges aur fee structure ka balance dekhna chahiye.
Yeh Card Kinke Liye Best Fit Hai
- Frequent International Business Travelers: Executives jo foreign currencies mein heavy transactions karte hain aur 1.49% forex tariff se saal mein significant savings chahte hain.
- Global Jet-Setters: Travelers jinhe khud ke liye aur add-on members ke liye globally frictionless domestic aur overseas airport lounges chahiye.
- Affluent Media & Lifestyle Patrons: Cardholders jo bespoke holiday villas, curated dining aur milestone rewards ko value karte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.
⚖️ Trademark & Intellectual Property Ownership:Is page par mention kiye gaye sabhi registered trademarks, brand names, aur card titles—jaise ki ICICI Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Visa, Mastercard, RuPay—unke respective banks ke exclusive intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):Brand aur card names ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai. CredSutra ICICI Bank se affiliated ya endorsed nahi hai.
🎨 Original Procedural Visual Assets:CredSutra par dikhaye gaye card visuals original procedural CSS/SVG designs hain. Hum banks ke proprietary 3D card renders ya copyrighted images use nahi karte.
📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively ICICI Bank ke paas hota hai.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021