Times Black ICICI Bank vs IDFC FIRST Private

Compare Times Black ICICI Bank and IDFC FIRST Private on annual fees, joining fees, rewards, benefits and important limitations.

Times Black ICICI Bank

ICICI Bank

2% in reward points on eligible domestic purchases and 2.5% on eligible international purchases

Annual fee: ₹20,000 + GST (waived on ₹25 lakh eligible annual spend)

Joining fee: ₹20,000 + GST

Network: Issuer-selected variant

CardIQ view

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.

IDFC FIRST Private

IDFC FIRST Bank

10 points per ₹150 on eligible domestic purchases; 5 on eligible international purchases

Annual fee: ₹25,000 + GST

Joining fee: ₹50,000 + GST

Network: Visa

CardIQ view

IDFC FIRST Private is a premium card built around travel benefits, international spending and airport lounge access, with a ₹25,000 annual fee before GST.

Key decision

A higher-fee option to compare for broader benefits around airport lounge access and reward points.
A lower-fee way to compare similar strengths in airport lounge access and reward points.

Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.

Explore and compare in CardIQ

Times Black ICICI Bank vs IDFC FIRST Private