ICICI Times Black Credit Card
ICICI Bank
last updated: Nov 07, 2025
₹20,000
₹20,000
1.49%
No lounge access
Contents
The ICICI Bank Times Black Credit Card is a premium metal lifestyle card co-branded with Times Black and Visa. It targets affluent customers with luxury lifestyle experiences, concierge services, milestone rewards and broad lounge privileges. The card offers high-value welcome vouchers, milestone benefits and a low forex markup for international spenders.
Features of ICICI Times Black Credit Card which makes it unique
Curated Experiences
Invitations to exclusive cultural and lifestyle events
Access to unique experiences not available to general public
Positioned above typical premium cards
Concierge & Lifestyle Services
Dedicated concierge for bookings and requests
White-glove service for premium cardholders
High-touch service compared to regular premium cards
Rewards Structure of ICICI Times Black Credit Card
Milestones of ICICI Times Black Credit Card
High-Value Milestones
Card-specific high annual spends : Milestone rewards, vouchers and exclusive experiences (see card terms)
Fees & Charges of ICICI Times Black Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹20,000 |
| Annual Fee | ₹20,000 |
| Forex Markup Fee | 1.49% |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waived on spending over ₹25,00,000 in the previous year.
Fee Explanation Refer to the card's Most Important Terms & Conditions (MITC) for detailed fee slabs and GST applicability. | Late payment fee details: ₹100–₹1,300 depending on outstanding amount
Lounge Access Benefits with ICICI Times Black Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Primary and add-on cardholders (subject to card program rules)
international Lounges
silverVisits per year: 0
Guest access: No
Priority Pass terms apply; check membership activation rules
Insurance Coverage with ICICI Times Black Credit Card
Travel Insurance
Card-specific (refer to MITC)Valid for eligible international trips booked with the card
Additional Features of ICICI Times Black Credit Card
Contactless Payments
Tap-and-pay enabled where supported
Add-on Cards
Add-on cards available (subject to bank rules)
Welcome Bonus with ICICI Times Black Credit Card
Welcome Bonus: voucher ₹12,000 Lohono or ₹10,000 EaseMyTrip
Bonus Conditions: Welcome voucher choice granted after joining fee payment and successful activation; refer to card terms for exact timing and redemption rules.
Application Process for ICICI Times Black Credit Card
Processing Time
5-10 business days (subject to verification)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI/Times Black portal or authorised partner
Pay joining fee (if applicable) and upload KYC documents
Complete verification call or process
Card dispatched after approval (timing per bank policy)
Required Documents for ICICI Times Black Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
as applicableAccepted documents:
ICICI Times Black Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Times Black Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Standard KYC: PAN and Aadhaar required; approval subject to bank's internal criteria.
How Approval Is Decided
- ICICI Bank's internal credit assessment
- High minimum income / net worth (card targeted at affluent customers)
- Valid PAN and Aadhaar
Pros of ICICI Times Black Credit Card
- High-end lifestyle privileges and curated experiences
- Unlimited lounge access for primary/add-on holders
- Attractive welcome vouchers and milestone rewards
Cons of ICICI Times Black Credit Card
- Very high joining and annual fees
- Targeted at high-spend customers only
Frequently Asked Questions about ICICI Times Black Credit Card
Is there a joining fee?
Yes. The joining fee is ₹20,000 + GST; welcome vouchers are provided after activation as per terms.
What is the annual fee and can it be waived?
Annual fee is ₹20,000 + GST. It may be waived if you meet the high annual spend threshold (₹25,00,000).
What forex markup does the card charge?
The forex markup is 1.49% on foreign currency transactions.
Do I get lounge access?
Yes. The card provides extensive domestic and international lounge privileges; refer to Priority Pass and card terms for guest rules.
What documents are required to apply?
Standard KYC documents: PAN and Aadhaar for identity and address verification. Additional income proof may be required.
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