Times Black ICICI Bank 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 / Rs 100 spent; Utility, Insurance, Education & Government spends: 2 Reward Points / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent
ICICI Bank Emeralde Credit Card
Rs 12,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
2%Forex markup
Best for
premium, travel, lounge, golf, movies
Top rewards
International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 100 spent
| Feature | Times Black ICICI Bank Credit Card | ICICI Bank Emeralde Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | Visa | Mastercard, American Express |
| Joining fee | Rs 20,000 | Rs 12,000 |
| Annual fee | Rs 20,000 | Rs 12,000 |
| Fee waiver spend | Rs 25,00,000 | Rs 10,00,000 |
| Reward type | ICICI Bank Reward Points | reward points |
| Best for | luxury, travel, lounge, low forex, premium | premium, travel, lounge, golf, movies |
| Top reward categories | International spends: 2.5 Reward Points / Rs 100 spent; Utility, Insurance, Education & Government spends: 2 Reward Points / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent | International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 1.49% | 2% |
| Milestone benefits | 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 | Not listed |
| Redemption | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.4 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel transactions, rent payments, EMI transactions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |