ICICI Bank
Times Black Credit Card
SimplifyCards take:A good fit if you want a card built for luxury, travel, and lounge
✓
Best for International SpendsBest for
2.5 Reward Points / ₹100 spent
!
Avoid if your spend is lowWatch out
The ₹ 20,000 fee waives only at ₹ 25 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for luxury, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 1.49% forex markup, and accelerated rewards on international spends
Estimate your ICICI Bank Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
ICICI Bank Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| International Spends | 2.5 Reward Points / ₹100 spent | - |
| Utility, Insurance, Education & Government Spends | 2 Reward Points / ₹100 spent | 5,000 ICICI Bank Reward Points |
| Other Spends | 2 Reward Points / ₹100 spent | - |
Redemption
Statement balanceupto ₹ 0.4 per point
iShop flight/hotelupto ₹ 1 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 1:1 |
Important conditions
1
Domestic loungeUnlimited visits per year
2
International loungeUnlimited visits per year
- Priority Pass is provided to both primary and Plus cardholders
3
MilestoneKlook international experiences worth ₹10,000 on reaching ₹2 Lakh annual spend
4
MilestoneWeWork day passes or airport transfers worth ₹10,000 on reaching ₹5 Lakh annual spend
5
MilestoneTata CLiQ Luxury Gift Card worth ₹10,000 on reaching ₹10 Lakh annual spend
6
MilestoneOne-night luxury stay at Ayatana or Lohono worth ₹20,000 on reaching ₹20 Lakh annual spend
7
Fee waiverRenewal fee waived on annual spends of ₹ 25 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Luxury Stay Gift Card from EaseMyTrip (₹10,000) or Lohono Stays (₹12,000)
- Lifestyle Gift Cards from Toni & Guy and Interflora
- Travel visa benefits with Atlys and OneVasco
- Special membership offers and event access at The Quorum Club
Additional benefits
- Exclusive co-branded luxury card in partnership with Times Internet
- No flight/hotel cancellation charges up to ₹12,000 on domestic bookings
Eligibility
Check this before you apply
Salaried
- Indian citizen over 21 years of age
- Requires a net monthly income of ₹2,00,000
Self-employed
- Indian citizen over 21 years of age
- Requires an annual ITR / income of ₹24,00,000
Exclusions
Spending that does not earn icici bank reward points
- fuel transactions
- rent payments
- EMI transactions
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