PowerMiles Credit Card
Rs 5,000Annual fee
Rs 4,80,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) at 40+ lounges.
- 1 complimentary international airport lounge visit per calendar quarter (4 per year) at 1000+ lounges worldwide.
2%Forex markup
Best for
Travel, International, Lounge, Premium
Top rewards
International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent
Times Black Credit Card
Rs 20,000Annual fee
Rs 25,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Priority Pass is provided to both primary and Plus cardholders.
1.49%Forex markup
Best for
Luxury, Travel, Lounge, Low Forex, Premium
Top rewards
International Spends: 2.5 Reward Points / ₹100 spent; Utility, Insurance, Education & Government Spends: 2 Reward Points / ₹100 spent; Other Spends: 2 Reward Points / ₹100 spent
| Feature | PowerMiles Credit Card | Times Black Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Rs 5,000 | Rs 20,000 |
| Annual fee | Rs 5,000 | Rs 20,000 |
| Fee waiver spend | Rs 4,80,000 | Rs 25,00,000 |
| Reward type | Reward Points | ICICI Bank Reward Points |
| Best for | Travel, International, Lounge, Premium | Luxury, Travel, Lounge, Low Forex, Premium |
| Top reward categories | International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent | International Spends: 2.5 Reward Points / ₹100 spent; Utility, Insurance, Education & Government Spends: 2 Reward Points / ₹100 spent; Other Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 4 | Unlimited |
| Forex markup | 2% | 1.49% |
| Milestone benefits | Not Listed | Klook international experiences worth ₹10,000 on reaching ₹2 Lakh annual spend, WeWork day passes or airport transfers worth ₹10,000 on reaching ₹5 Lakh annual spend, Tata CLiQ Luxury Gift Card worth ₹10,000 on reaching ₹10 Lakh annual spend, One-night luxury stay at Ayatana or Lohono worth ₹20,000 on reaching ₹20 Lakh annual spend |
| Redemption | Not Listed | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.4 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | fuel transactions, rent payments, EMI transactions |