{"id":1785,"date":"2026-01-23T10:42:16","date_gmt":"2026-01-23T10:42:16","guid":{"rendered":"https:\/\/cardgrid.in\/blog\/?p=1785"},"modified":"2026-03-16T11:41:01","modified_gmt":"2026-03-16T11:41:01","slug":"icici-times-black-credit-card-review","status":"publish","type":"post","link":"https:\/\/cardgrid.in\/blog\/icici-times-black-credit-card-review\/","title":{"rendered":"ICICI Times Black Credit Card Review 2026"},"content":{"rendered":"

The ICICI Times Black Credit Card Review<\/b> shows it\u2019s a premium co-branded metal card<\/b> from ICICI Bank and Times Internet aimed at affluent users who travel and spend big. It carries a high joining and annual fee of \u20b920,000 + GST<\/b> but offers unlimited domestic and international airport lounge access<\/b>, concierge services, and milestone rewards worth up to ~\u20b970,000 with high spends. You earn 2% reward points on domestic spends and 2.5% on international transactions<\/b>, though forex markup charges apply. Perks include luxury hotel vouchers, travel visa support, Zomato Gold membership, and exclusive lifestyle offers. While the card delivers luxury experiences and strong travel benefits, many reviewers feel the reward value vs high fee<\/b> makes it better suited for frequent travellers with high annual spends rather than average users.<\/p>\n

\"ICICI<\/p>\n

ICICI Times Black Credit Card Charges & Fees 2026<\/span><\/h2>\n

The Times Black ICICI Bank credit card<\/b> (also called ICICI Bank Times Black<\/b> or Times Black card<\/b>) is a super-premium metal credit card<\/i> with high-end lifestyle and travel benefits. Since it\u2019s a premium product, knowing the ICICI Times Black Credit card annual fee<\/b> and associated charges helps you decide if the privileges are worth the cost.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Charge Type<\/b><\/p>\n<\/td>\n

\n

Amount \/ Detail<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

Joining Fee<\/b><\/p>\n<\/td>\n

\n

\u20b920,000 + GST (first year)<\/p>\n<\/td>\n<\/tr>\n

\n

ICICI Times Black Credit card annual fee<\/b><\/p>\n<\/td>\n

\n

\u20b920,000 + GST (renewal)<\/p>\n<\/td>\n<\/tr>\n

\n

Annual Fee Waiver Condition<\/b><\/p>\n<\/td>\n

\n

Waived if you spend \u20b925,00,000 in an anniversary year<\/p>\n<\/td>\n<\/tr>\n

\n

Finance Charges \/ Interest Rate<\/b><\/p>\n<\/td>\n

\n

~3.67% per month (~44% p.a.) on outstanding balances<\/p>\n<\/td>\n<\/tr>\n

\n

Forex Mark-up Fee<\/b><\/p>\n<\/td>\n

\n

1.49% + taxes on international transactions<\/p>\n<\/td>\n<\/tr>\n

\n

Late Payment Charges<\/b><\/p>\n<\/td>\n

\n

\u20b9100 \u2013 \u20b91,300 based on overdue amount<\/p>\n<\/td>\n<\/tr>\n

\n

Cash Advance Fee<\/b><\/p>\n<\/td>\n

\n

Nil (no extra fee)<\/p>\n<\/td>\n<\/tr>\n

\n

Reward Redemption Fee<\/b><\/p>\n<\/td>\n

\n

Nil (no fee to redeem points)<\/p>\n<\/td>\n<\/tr>\n

\n

Supplementary Card Fee<\/b><\/p>\n<\/td>\n

\n

\u20b93,500 + GST (approx., subject to change)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

What This Means for You:<\/b><\/span>
\n\u2022 The joining fee<\/b> and ICICI Times Black Credit card annual fee<\/b> are high compared to standard cards, but many users justify this if they maximise unlimited airport lounge access, concierge services, milestone rewards and premium travel perks.
\n\u2022 Fee waiver requires very high spending (\u20b925 lakh), so only heavy spenders generally avoid the renewal cost.<\/p>\n

Also Read: ICICI Credit Card Reward Points 2026: How To Reedem & Earn?<\/a><\/strong><\/span><\/em><\/p>\n

Times Black Eligibility 2026<\/span><\/h2>\n

To be eligible for the Times Black ICICI Bank credit card<\/b>, you must meet these core criteria:<\/p>\n

\u2022 Age:<\/b> You must be an Indian citizen aged 21 years or above<\/b> to apply.
\n\u2022 Minimum Income (Salaried):<\/b> If you are salaried, your monthly income should be at least \u20b92,00,000, <\/b>showing strong earning ability.
\n\u2022 Minimum Income (Self-Employed):<\/b> If you are self-employed, your annual income generally needs to be \u20b924 lakh or more<\/b> to qualify.
\n\u2022 Credit Profile:<\/b> A good credit history\/score<\/b> improves approval chances (standard for premium cards), though ICICI Bank does not publicly disclose an exact minimum score requirement.
\n\u2022 KYC:<\/b> You must complete identity and address verification \u2014 including documents like PAN and Aadhaar<\/b> and often video-KYC<\/b> or branch verification before issuance.<\/p>\n

Because the Times Black card<\/b> is a super-premium product, these income and profile thresholds tend to be significantly higher than for regular credit cards \u2014 reflecting the exclusive privileges, rewards, and lifestyle benefits you get with the ICICI Times Black credit card<\/b>.<\/p>\n

\n

Suggestive Read: ICICI Credit Card Offers on Flipkart, Myntra, Ajio & Amazon<\/a><\/strong><\/p>\n<\/blockquote>\n

How To Get Times Black Credit Card 2026<\/span><\/h2>\n

To apply for the Times Black ICICI Bank credit card<\/b>, follow these real steps used by applicants:<\/p>\n

    \n
  1. Visit the official application page:<\/b> Go to the Times Black<\/i> portal at timesblack.com<\/b> and click Apply<\/b> \u2014 this starts your online application.<\/li>\n
  2. Enter your contact details:<\/b> Provide your mobile number and verify with OTP to begin the process.<\/li>\n
  3. Fill in personal information:<\/b> Enter your name, date of birth, address, PAN and income details as required.<\/li>\n
  4. Submit KYC documents:<\/b> Upload PAN, Aadhaar and income proofs. You may also complete video-KYC<\/b> directly from your device, no branch visit needed.<\/li>\n
  5. Bank verification:<\/b> After submission, ICICI Bank reviews your details and may contact you for any clarifications.<\/li>\n
  6. Approval & delivery:<\/b> Once approved, your ICICI Times Black credit card<\/b> will be dispatched to your registered address, typically within about 7 days after KYC completion.<\/li>\n
  7. Offline option:<\/b> You can also apply at a nearby ICICI Bank branch by submitting a physical form with documents.<\/li>\n<\/ol>\n

    This is the exact Times Black card<\/b> application flow that makes it possible to get your premium card either online<\/i> or via branch support.<\/p>\n

    ICICI Times Black Credit Card Review 2026<\/b><\/span><\/h2>\n

    Here\u2019s a fact-based ICICI Times Black credit card review<\/i><\/b> that covers the real features, rewards, fees and value, exactly what users searching \u201cICICI times black credit card review\u201d<\/b>, \u201ctimes black credit card review\u201d<\/b>, \u201ctimes black card review\u201d<\/b>, \u201cICICI times black credit card review\u201d<\/b>, \u201ctimes black ICICI bank credit card review\u201d<\/b> and related queries want to know:<\/p>\n

    The ICICI Times Black credit card review<\/b> shows it\u2019s a premium metal lifestyle and travel credit card<\/i> from ICICI Bank Times Black<\/b> with a \u20b920,000 + GST joining & annual fee<\/b>. It earns 2% reward points on domestic spends and 2.5% on international spends<\/b>, and offers accelerated rewards via ICICI\u2019s iShop portal. Cardholders get unlimited complimentary airport lounge access<\/b> (domestic and international), 24\u00d77 concierge, fuel surcharge waiver and milestone benefits like luxury stay, airport transfers and gift vouchers worth up to ~\u20b970,000 on high spends.<\/p>\n

    Pros include strong travel perks, concierge services, luxury vouchers and low forex markup (1.49%). Cons are the high annual fee<\/i>, relatively modest core rewards rate<\/i>, and milestone benefits requiring significant spend to unlock. It\u2019s best suited for frequent travellers and high spenders who can maximise premium perks.<\/p>\n

    Times Black vs HDFC Infinia<\/span><\/h2>\n

    \"Times<\/p>\n\n\n\n\n\n\n\n\n\n\n
    \n

    Feature<\/b><\/p>\n<\/td>\n

    		\n

    Times Black ICICI Bank Credit Card<\/b><\/p>\n<\/td>\n

    		\n

    HDFC Infinia Credit Card Metal Edition<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Joining & Annual Fee<\/b><\/p>\n<\/td>\n

    		\n

    \u20b920,000 + GST<\/p>\n<\/td>\n

    		\n

    \u20b912,500 + GST each year (invite-only)<\/p>\n<\/td>\n<\/tr>\n

    \n

    Annual Fee Waiver<\/b><\/p>\n<\/td>\n

    		\n

    Waived on high spends (e.g., \u20b925 L+)<\/p>\n<\/td>\n

    		\n

    Waived on spends \u2265 ~\u20b910 L (before renewal)<\/p>\n<\/td>\n<\/tr>\n

    \n

    Reward Rate<\/b><\/p>\n<\/td>\n

    		\n

    Up to ~2.5% reward points on spends<\/p>\n<\/td>\n

    		\n

    ~3.33% base rewards with SmartBuy accelerator<\/p>\n<\/td>\n<\/tr>\n

    \n

    Airport Lounge Access<\/b><\/p>\n<\/td>\n

    		\n

    Unlimited domestic & international lounges<\/p>\n<\/td>\n

    		\n

    Unlimited domestic & international lounges via Priority Pass<\/p>\n<\/td>\n<\/tr>\n

    \n

    Travel & Lifestyle Perks<\/b><\/p>\n<\/td>\n

    		\n

    Milestone vouchers, discount deals, lifestyle offers<\/p>\n<\/td>\n

    		\n

    Complimentary Club Marriott + hotel and travel offers<\/p>\n<\/td>\n<\/tr>\n

    \n

    Forex Markup Fee<\/b><\/p>\n<\/td>\n

    		\n

    ~1.49% (competitive)<\/p>\n<\/td>\n

    		\n

    ~2% markup on foreign transactions<\/p>\n<\/td>\n<\/tr>\n

    \n

    Best For<\/b><\/p>\n<\/td>\n

    		\n

    Users who want milestone perks and varied luxury benefits<\/p>\n<\/td>\n

    		\n

    Users seeking strong reward returns and travel privileges<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Suggestive Read: ICICI Sapphiro Credit Card Lounge Access 2026<\/a><\/strong><\/span><\/em><\/p>\n

    Times Black vs Diners Club Black<\/span><\/h2>\n

    \"Times<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
    \n

    Feature<\/b><\/p>\n<\/td>\n

    		\n

    Times Black ICICI Bank Credit Card<\/b><\/p>\n<\/td>\n

    		\n

    HDFC Diners Club Black Credit Card<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Card Positioning<\/b><\/p>\n<\/td>\n

    		\n

    Super-premium, luxury lifestyle & travel card<\/p>\n<\/td>\n

    		\n

    Premium travel & rewards card with strong lifestyle perks<\/p>\n<\/td>\n<\/tr>\n

    \n

    Annual Fee<\/b><\/p>\n<\/td>\n

    		\n

    ~\u20b920,000 + GST (high-end card)<\/p>\n<\/td>\n

    		\n

    ~\u20b910,000 + GST (metal edition)<\/p>\n<\/td>\n<\/tr>\n

    \n

    Annual Fee Waiver<\/b><\/p>\n<\/td>\n

    		\n

    Possible on very high spends (e.g., \u20b925 L)<\/p>\n<\/td>\n

    		\n

    Waived on ~\u20b98 L annual spend<\/p>\n<\/td>\n<\/tr>\n

    \n

    Reward Structure<\/b><\/p>\n<\/td>\n

    		\n

    ~2% domestic, ~2.5% international + milestone vouchers<\/p>\n<\/td>\n

    		\n

    ~3.33% base via points + SmartBuy up to 33%<\/p>\n<\/td>\n<\/tr>\n

    \n

    Airport Lounge Access<\/b><\/p>\n<\/td>\n

    		\n

    Unlimited domestic & international<\/p>\n<\/td>\n

    		\n

    Unlimited airport lounge access worldwide<\/p>\n<\/td>\n<\/tr>\n

    \n

    Travel & Lifestyle Perks<\/b><\/p>\n<\/td>\n

    		\n

    Milestone luxury vouchers, concierge, visa services<\/p>\n<\/td>\n

    		\n

    Golf games, dining offers, multiple annual memberships (Club Marriott, Amazon Prime etc.)<\/p>\n<\/td>\n<\/tr>\n

    \n

    Forex Markup Fee<\/b><\/p>\n<\/td>\n

    		\n

    ~1.49% (competitive)<\/p>\n<\/td>\n

    		\n

    ~2% on foreign currency spends<\/p>\n<\/td>\n<\/tr>\n

    \n

    Best For<\/b><\/p>\n<\/td>\n

    		\n

    Ultra-high spenders who want luxury experiences<\/i> and premium travel lifestyle<\/p>\n<\/td>\n

    		\n

    Frequent travellers and rewards maximisers seeking higher reward rates<\/i><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Times Black vs Emeralde Private Metal<\/b><\/span><\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
    \n

    Feature<\/b><\/p>\n<\/td>\n

    		\n

    Times Black ICICI Bank Credit Card<\/b><\/p>\n<\/td>\n

    		\n

    ICICI Emeralde Private Metal Credit Card<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Positioning<\/b><\/p>\n<\/td>\n

    		\n

    Super-premium lifestyle and travel card with milestone experiences and benefits.<\/p>\n<\/td>\n

    		\n

    Luxury rewards-focused card with strong everyday returns and lifestyle perks.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Joining Fee<\/b><\/p>\n<\/td>\n

    		\n

    \u20b920,000 + GST (premium tier).<\/p>\n<\/td>\n

    		\n

    \u20b912,499 + GST (lower than Times Black).<\/p>\n<\/td>\n<\/tr>\n

    \n

    Annual Fee<\/b><\/p>\n<\/td>\n

    		\n

    \u20b920,000 + GST.<\/p>\n<\/td>\n

    		\n

    \u20b912,499 + GST.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Annual Fee Waiver<\/b><\/p>\n<\/td>\n

    		\n

    Waived on very high spends (e.g., \u20b925 L+).<\/p>\n<\/td>\n

    		\n

    Waived on \u20b910 L+ annual spending.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Reward Earning<\/b><\/p>\n<\/td>\n

    		\n

    Good rewards with accelerated iShop; focused on travel & experiences.<\/p>\n<\/td>\n

    		\n

    ~3% value-back on spends, accelerated iShop rewards (higher on hotels).<\/p>\n<\/td>\n<\/tr>\n

    \n

    Forex Markup<\/b><\/p>\n<\/td>\n

    		\n

    ~1.49% (competitive for premium cards).<\/p>\n<\/td>\n

    		\n

    ~2% on foreign transactions.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Airport Lounge Access<\/b><\/p>\n<\/td>\n

    		\n

    Unlimited domestic & international lounges.<\/p>\n<\/td>\n

    		\n

    Unlimited domestic & international lounges, plus Priority Pass.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Lifestyle Perks<\/b><\/p>\n<\/td>\n

    		\n

    Milestone benefits like travel vouchers, VIP transfers, wellness offers.<\/p>\n<\/td>\n

    		\n

    Taj Epicure membership, EazyDiner Prime, golf rounds, travel booking perks.<\/p>\n<\/td>\n<\/tr>\n

    \n

    Best Suited For<\/b><\/p>\n<\/td>\n

    		\n

    Frequent travelers wanting exclusive experiences<\/i> and lower forex cost.<\/p>\n<\/td>\n

    		\n

    Users who prefer higher base rewards and everyday luxury benefits<\/i>.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    How to Maximize Times Black Milestone Benefits?<\/span><\/h2>\n

    To get real value from the ICICI Times Black credit card<\/b>, you need to plan spends smartly so you hit milestone slabs and unlock high-value luxury vouchers and travel perks.<\/p>\n