Unlimited domestic and international airport lounge access via Priority Pass for primary and add-on cardholders
Earn 2% reward points on domestic spends and 2.5% on international spends
1.49% forex markup on international transactions with zero cash advance charges
Air accident insurance cover of ₹3 crore on eligible international travel
Welcome benefits worth over ₹25,000 including luxury stay voucher, travel visa benefits, Zomato Gold and lifestyle gift cards
Fees
Joining FeeNo welcome benefit is provided to offset the joining fee.
₹23,600
₹20,000 + GST
Annual FeeThe annual fee is waived if you spend ₹25 lakh or more in a year on your card, as per bank policy.
₹23,600
₹20,000 + GST
Eligibility
Age
21-65 years
Salary
₹2L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup1.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1.49%): ₹100 → ₹1.49 ₹1,000 → ₹14.90 ₹10,000 → ₹149 ₹1,00,000 → ₹1,490
1.49%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM WithdrawalNo ATM withdrawal fee for Times Black ICICI Bank Credit Card.
Not Applicable
Reward RedemptionNo reward redemption fee is applicable for Times Black ICICI Bank Credit Card.
Not Applicable
Railway SurchargeA surcharge of 1.80% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC
1.80%
Rent PaymentA surcharge fee of 1% applies on rent payment transactions made using the credit card, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹150 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹150
Cash Payment₹150+ taxes will be charged for all payments done via Cash
₹150
Late Payment Charges
Amount due
Fee
₹0 – ₹100
₹0
₹101 – ₹500
₹100
₹501 – ₹1,000
₹500
₹1,001 – ₹5,000
₹600
₹5,001 – ₹10,000
₹750
₹10,001 – ₹25,000
₹900
₹25,001 – ₹50,000
₹1100
Above ₹50,000
₹1300
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared
No Rewards On
Fuel SpendsCash AdvancesBank Charges & FeesInterest ChargesGoods & Services Tax (GST)EMI SpendsTransactions that are reversedRent PaymentJewellery PurchasesEducation SpendsGovernment-related TransactionsWallet transactionsLoad MoneyGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges
Excluded Spends
Fuel SpendsCash AdvancesBank Charges & FeesInterest ChargesGoods & Services Tax (GST)EMI SpendsTransactions that are reversedRent PaymentInsurance PaymentsJewellery PurchasesEducation SpendsGovernment-related TransactionsWallet transactionsLoad MoneyGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
