ICICI Bank
VISA•••• •••• •••• 4242
Times Black ICICI Bank Credit Card
Times Black ICICI Bank Credit Card
ICICI Bank
Annual Fee
₹20,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About Times Black ICICI Bank Credit Card
2.5% rewards on international; 2% domestic per ₹100. Unlimited lounge access. Times Prime exclusive benefits. Annual fee waived on ₹25L spend. Income ₹2L/month.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Airport Lounge Access
- check_circleTimes Black Privileges
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelHigh annual fee of ₹20,000
- cancelHigh annual income requirement (₹15 lakh+)
- cancelMay require existing banking relationship or invitation
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2.5% | 250 pts≈ ₹250 |
| All other spends | 2% | 200 pts≈ ₹200 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Unlimited Airport Lounge Access
Unlimited domestic and international lounge access.
Times Black Privileges
Exclusive Times Prime and Times Black lifestyle benefits.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹25,00,000 (ANNUAL)
Annual fee waived on ₹25 lakh annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹20,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹24,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹24,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Times Black ICICI Bank Credit Card.
Ready to apply for Times Black ICICI Bank Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.