Times Black ICICI Bank
ICICI Bank · Checked 2026-10-09
Times Black ICICI Bank is a premium card built around travel benefits, international spending and airport lounge access, with a ₹20,000 annual fee before GST.
CardIQ editorial view
Our take
Times Black ICICI Bank is a premium card built around travel benefits, international spending and airport lounge access, with a ₹20,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2% in reward points on eligible domestic purchases and 2.5% on eligible international purchases.
Trade-offs to understand
- 1 point can be worth up to ₹1 for eligible rewards but statement credit values points at ₹0.40.
- Specified essential categories capped at 5,000 points per statement cycle; fuel, rent and EMI purchases excluded.
- 1.49% foreign-currency markup plus taxes.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 1 point can be worth up to ₹1 for eligible rewards but statement credit values points at ₹0.40.
Compare before deciding
- IDFC FIRST Private — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
- ICICI Bank Emeralde Private Metal — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- 1 point can be worth up to ₹1 for eligible rewards but statement credit values points at ₹0.40.
- Specified essential categories capped at 5,000 points per statement cycle; fuel, rent and EMI purchases excluded.
- 1.49% foreign-currency markup plus taxes.