Times Black ICICI Bank Credit Card

Annual feeJoining fee

₹20,000 + GST

Fee waiver rule

You can get your annual fee waived from the 2nd year onwards on minimum spends of ₹25,00,000 made in the previous year.

Add-on card fee

Supplementary Card fee of ₹3,500 + GST is applicable one time only for each Supplementary Card

Welcome benefit

Luxury Stay Gift Card from EaseMyTrip worth ₹10,000 or from Lohono worth ₹12,000; Lifestyle Gift Cards from Toni and Guy and Interflora worth ₹3,000 and ₹1,000, respectively.

Reward rate

2% cashback · everyday spendsEarn Points on every spend: 2% On Domestic Spend.

Reward earning on international spends

Earn Points on every spend: 2.5% On International Spend.

Reward exclusions

ICICI Bank reward points will not be earned on fuel transactions, rent payments or transactions converted into EMIs.

Reward caps

A cap of 5,000 reward points per statement cycle for: Utility payments, Insurance premium payments, Education payments, Government payments.

Catalogue redemption

The value of 1 ICICI Bank reward point can be up to ₹1

Statement-credit redemption

When redeeming ICICI Bank reward points against your statement, the redemption rate is 1 Reward Point (RP) = ₹0.40.

Point expiry

Reward points have expiry of 36 months from the date of issuance.

Domestic lounge access

For lounge visits within India, Primary and Add-on Cardholders can avail unlimited complimentary lounge access through Times Black ICICI Bank Credit Card.

International lounge access

Enjoy unlimited complimentary accesses to international airport lounges with Times Black ICICI Bank Credit Card.

Priority Pass

Complimentary Priority Pass Membership for both the primary cardholder and Plus cardholder.

Hotel or travel programme

No cancellation charges on domestic flight and hotel bookings, up to ₹12,000

Dining programme

Annual membership of Zomato Gold for exclusive dining privileges

Concierge

24x7 concierge services: round-the-clock concierge assistance.

Milestone benefits

On spends of ₹2 lakh: Klook's unique international experiences worth ₹10,000; ₹5 lakh: WeWork day passes (India) or airport transfers worth ₹10,000; ₹10 lakh: Tata CLiQ Luxury Gift Card; ₹20 lakh: One night luxury stay at Ayatana or Lohono worth ₹20,000.

Movies and entertainment

Special offers on membership and access to events at The Quorum Club and dining discounts at select restaurants.

Minimum spend rules

Milestone Benefits can be redeemed only after the payment of the Joining fee/ Annual fee and crossing the spending threshold

Fuel surcharge waiver

Get 1% waiver on fuel transactions at all fuel stations.

Surcharge on railway tickets

1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Air accident cover

Get an Air Accident Insurance cover.

Forex markup

1.49% on foreign currency transactions.

Dynamic currency conversion markup

1.49%1.49% Dynamic Currency Conversion fee

Cash advance fee

Nil

Cash withdrawal limit

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.

Interest on unpaid balance

3.75% per month i.e., 45% per annum.

Interest-free period

18 to 48 days interest-free when you pay in full.

Late payment fee

Ranging from ₹100 to ₹1300.

Over-limit fee

2.50% of the over-limit amount, subject to a minimum of ₹550

Payment return or dishonour fee

Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)

Card replacement fee

₹3,500

Cash payment / cash deposit fee

A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

Education / school fee charge

A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

EMI conversion fee

Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

Fee on online skill-based gaming spends

A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

Wallet load charge

A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

Fuel transaction fee

A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

Rent transaction fee

1% fee on transaction amount (Merchant Category Code: 6513)

Utility transaction fee

A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

GST note

GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

Grace days after the due date

Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Minimum amount due

5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Income requirement

A salaried individual with a monthly income of ₹2,00,000; Self-employed individual with an annual income of ₹24,00,000.

Minimum age

An Indian citizen over 21 years of age.

Documents required

PAN Card and Aadhaar Card details, followed by a video-based verification with an ICICI Bank employee.