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
PIONEER Legacy Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary visit per calendar quarter to participating domestic lounges in India.
- Effective 1 April 2026, domestic lounge access is spend-gated: quarterly spends are tracked to unlock complimentary domestic access from the July 2026 quarter onwards.
- Guest visits, and primary-cardholder visits beyond the complimentary quota, are charged up to USD 35 per visit.
- 2 complimentary visits per calendar quarter to participating international lounges outside India via Priority Pass.
- Guest visits, and visits beyond the 2-per-quarter complimentary quota, are charged up to USD 35 per visit.
1.8%Forex markup
Best for
premium, travel, lounge, golf, low forex
Top rewards
weekday spends: 1 reward point per Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100
| Feature | Times Black ICICI Bank Credit Card | PIONEER Legacy Credit Card |
|---|---|---|
| Issuer | ICICI Bank | IndusInd Bank |
| Network | Visa | Mastercard, Visa |
| Joining fee | Rs 20,000 | Rs 45,000 |
| Annual fee | Rs 20,000 | Rs 0 |
| Fee waiver spend | Rs 25,00,000 | - |
| Reward type | ICICI Bank Reward Points | Pioneer Rewards |
| Best for | luxury, travel, lounge, low forex, premium | premium, travel, lounge, golf, low forex |
| 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 | weekday spends: 1 reward point per Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 4 |
| International lounge | Unlimited | 8 |
| Forex markup | 1.49% | 1.8% |
| 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 | Statement credit: upto Rs 1 per point |
| Key exclusions | fuel transactions, rent payments, EMI transactions | fuel transactions |