ICICI Bank · Visa Infinite
Times Black
A premium ICICI co-brand built around unlimited lounges, low forex markup, lifestyle vouchers, concierge and milestone rewards.
- Lifestyle
- Lounge
- Forex
- Earn around 2% reward value on domestic spends and 2.5% on international spends, with iShop accelerators up to 12X on hotels.
- Get unlimited domestic and international lounge access, low 1.49% forex markup, Klook and Tata CLiQ Luxury milestones, and premium concierge benefits.
- Fee
- Rs 20,000 + GST Waiver at Rs 25L
- Forex
- 1.49% + GST
- Lounges
- Unlimited
At a glance
Times Black highlights
- iShop
- 6X flights/vouchers and 12X hotels, 15K bonus RP cap
- Milestones
- Klook, transfers, Tata CLiQ Luxury and resort stays
- Lounge
- Unlimited domestic + international access
- Fee
- Rs 20,000 + GST, waived at Rs 25L spends
Times Black: fees & 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 | Rs 10,000 EaseMyTrip hotel voucher, Rs 3,000 Toni&Guy voucher, OneVasco and Atlys visa services worth Rs 10,000, Zomato Gold and other benefits |
| 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 | Education fee payments via third-party apps earn no rewards |
| Milestone at Rs 2 lakh | Rs 10,000 Klook voucher |
| Milestone at Rs 5 lakh | Luxury sedan airport transfers |
| Milestone at Rs 10 lakh | Rs 10,000 Tata CLiQ Luxury voucher |
| Milestone at Rs 20 lakh | One-night stay at Ayatana Resorts, subject to 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 rewards on flight bookings and gift vouchers, 12X on hotel bookings, and a 15,000 bonus RP cap |
| 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 |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
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.
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?
Milestones include a Rs 10,000 Klook voucher at Rs 2 lakh spends, luxury sedan airport transfers at Rs 5 lakh, a Rs 10,000 Tata CLiQ Luxury voucher at Rs 10 lakh, and a one-night Ayatana Resorts stay at Rs 20 lakh.
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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