Times Black

Premium lifestyle card for lounges, forex and milestones.

Apply on Times BlackTIMES

You'll apply on Times Black

iShop

6X flights/vouchers, 12X hotels; bonus cap 15K/month, 8K/day

Milestones

Klook, WeWork/transfers, Tata CLiQ and Ayatana/Lohono choices

Lounge

Unlimited domestic + international access

Fee

Rs 20,000 + GST, waived at Rs 25L spends

2.5% intl value

1.49% forex

Unlimited lounges

Premium travel perks

Unlimited domestic and international lounge access for primary and add-on cardholders, with no guest access included.

Low forex markup

1.49% + GST, or about 1.76% total before reward value Flights and hotels can value 1 RP at Rs 1; statement credit is listed at 40p per RP

iShop accelerators

6X eligible flights/vouchers and 12X hotels; 15,000 bonus RP/month and 8,000/day caps, subject to live portal terms

Milestone vouchers

Rs 10,000 Klook voucher; Rs 10,000 Tata CLiQ Luxury voucher; Choice of eligible Ayatana stay OR ₹20,000 Lohono voucher, subject to programme terms and availability

WeWork or airport transfers

Choice of eligible WeWork benefit OR ₹10,000 luxury sedan airport transfers under the milestone terms

Concierge access

iAssist and Criblife concierge services support reservations, travel planning and lifestyle requests.

Times Black: fees & key facts

Times Black credit card fees and key facts
Joining fee	Rs 20,000 + GST, approximately Rs 23,600 after GST
Annual fee	Rs 20,000 + GST; waived on Rs 25 lakh annual spends
Welcome benefit	Choice of ₹10,000 EaseMyTrip hotel voucher OR ₹12,000 Lohono voucher, plus eligible Toni&Guy, OneVasco/Atlys and Zomato Gold benefits under the current welcome terms
Renewal benefit	Same as the welcome benefit, subject to current Times Black and ICICI terms
Domestic rewards	Around 2% reward value on domestic spends
International rewards	Around 2.5% reward value on international spends
Utilities, insurance, education and government	Around 2% reward value, capped at 5,000 RP per statement cycle
No rewards	Fuel, rent and EMI-converted transactions earn no rewards; third-party education transaction charges do not by themselves establish a reward exclusion
Milestone at Rs 2 lakh	Rs 10,000 Klook voucher
Milestone at Rs 5 lakh	Choice of eligible WeWork benefit OR ₹10,000 luxury sedan airport transfers under the milestone terms
Milestone at Rs 10 lakh	Rs 10,000 Tata CLiQ Luxury voucher
Milestone at Rs 20 lakh	Choice of eligible Ayatana stay OR ₹20,000 Lohono voucher, subject to programme terms and availability
Lounge access	Unlimited domestic lounge access via Visa and unlimited international lounge access via Priority Pass for primary and add-on cardholders; guest access is not included
Forex markup	1.49% + GST, or about 1.76% total before reward value
iShop accelerators	6X eligible flights/vouchers and 12X hotels; 15,000 bonus RP/month and 8,000/day caps, subject to live portal terms
Cancellation cover	Zero cancellation charges on domestic flights and 4/5-star hotel bookings, limited to 2 incidents per year and up to Rs 12,000
Other benefits	Concierge through iAssist and Criblife, ET and Quorum event access, and selected retail offers from brands such as TUMI, Interflora and Kaya Clinic
Redemption value	Flights and hotels can value 1 RP at Rs 1; statement credit is listed at 40p per RP

Public issuer terms checked 3 October 2026.

ICICI Times Black bank product/FAQ

Who should get it

Times Black ICICI Bank Credit Card is a premium lifestyle card aimed at frequent travellers and high spenders who value lounges, concierge, low forex and milestone-led experiences more than pure reward maximisation.

The everyday earn rate is not the headline. Reward value is around 2% on domestic spends and 2.5% on international spends, which is lower than stronger super-premium cards at this fee level.

The card makes most sense if you can actually use the lifestyle stack: unlimited domestic and international lounges, Klook and luxury vouchers, airport transfers, zero cancellation cover, concierge access and the low 1.49% forex markup.

Reward exclusions

Transactions that do not earn ICICI Bank Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel and rent payments
Transactions converted to EMI

Government, utility, insurance and education payments can earn points, each capped at 5,000 points per statement cycle. This policy differs from Emeralde Private Metal; do not apply one ICICI card’s exclusions to the other.

Checked 3 October 2026Times Black ICICI reward FAQ

Times Black FAQs

Who should get the Times Black ICICI Bank Credit Card?

It is best for frequent travellers and high spenders who can use unlimited lounges, low forex markup, concierge services and milestone benefits. It is less compelling for people who mainly want high everyday rewards.

What is the Times Black annual fee?

The joining and annual fee is Rs 20,000 plus GST. The annual fee is waived at Rs 25 lakh annual spends.

What reward rate does Times Black offer?

Reward value is around 2% on domestic spends and 2.5% on international spends. Utilities, insurance, education and government services earn around 2% but are capped at 5,000 RP per statement cycle.

Does Times Black include unlimited lounge access?

Yes. It includes unlimited domestic lounge access via Visa and unlimited international lounge access via Priority Pass for primary and add-on cardholders. Guest access is not included.

What are the Times Black milestone benefits?

At ₹2 lakh: ₹10,000 Klook; ₹5 lakh: WeWork OR ₹10,000 transfers; ₹10 lakh: ₹10,000 Tata CLiQ Luxury; ₹20 lakh: Ayatana OR ₹20,000 Lohono. Programme eligibility, booking and validity terms apply.

Is Times Black better than ICICI Emeralde Private?

Times Black has a higher annual fee than Emeralde Private but a lower reward rate and lower iShop bonus cap, so Emeralde Private is stronger for reward maximisers who qualify for it.

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