Times Black ICICI Bank Credit Card - Features, Benefits, Fees & Charges

Best For

Shopping

Online Food Ordering

Dining

Joining/Annual Fees

Joining Fees

₹23,600 ( ₹20000 + GST )

N/A

Annual Fees

₹23,600 ( ₹20000 + GST )

Spend over ₹25 lakh and get your annual fee waived off for the next year

Eligibility

Age Criteria

21-65 years

Salary Criteria

24 LPA

Credit Rating*

750+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = up to ₹1 for vouchers/products, ₹0.40 for cashback

Redemption Options

Products, Vouchers, Cashback (app/portal)

To check redemption catalogue

All Card Benefits

All Benefits

Exclusive access to The Quorum Club
Lifestyle management services from CribLife with 6 exclusive offerings
EaseMyTrip Gift Card worth ₹10,000 for luxury stay
One-night luxury stay at Ayatana Resorts worth ₹20,000
Travel visa benefits with Atlys and OneVasco worth ₹4,000
Lifestyle Gift Cards from Toni&Guy and Interflora worth ₹10,000
Tata CLiQ Luxury Gift Card worth ₹10,000
Luxury airport transfers via BLADE India / Avis / Indian Travel House worth ₹10,000
Discover Klook's unique international experiences
Reward Points: 2.5% on international spends, 2% on domestic spends.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Cash Advances

Bank Charges & Fees

Interest Charges

Goods & Services Tax (GST)

EMI Spends

Transactions that are reversed

Rent Payment

Jewellery Purchases

Education Spends

Government-related Transactions

Wallet transactions

Load Money

Gambling Transactions

Toll Payments

Security Broker Services

Charity

Railways

Utility Bill Payments

Balance Transfer

Financial Charges

For Spends Waiver

Fuel Spends

Cash Advances

Bank Charges & Fees

Interest Charges

Goods & Services Tax (GST)

EMI Spends

Transactions that are reversed

Rent Payment

Insurance Payments

Jewellery Purchases

Education Spends

Government-related Transactions

Wallet transactions

Load Money

Gambling Transactions

Toll Payments

Security Broker Services

Charity

Railways

Utility Bill Payments

Balance Transfer

Financial Charges

Bank Fee Structure

Structure	Details
Forex Markups 1.49% Forex Markup Fee A 1.49% foreign currency markup is charged when you use your card for international transactions—whether online on foreign websites or at stores abroad (POS). This fee applies when you pay in any currency other than INR. Here’s what 1.49% markup looks like on common spends: ₹100 = ₹1.49 ₹1,000 = ₹14.90 ₹10,000 = ₹149 ₹1,00,000 = ₹1,490	1.49%
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45% p.a.	3.75%
ATM Withdrawl	Nil
Reward Redemption Fees	N/A
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC	1%
Rent Payment Fees Rent payment fee of 1% per transaction, subject to a maximum of ₹1,500	1%
Cheque Payment Fees ₹100 will be charged for all payments done via Check	₹100
Cash Payment Fees ₹100+ taxes will be charged for all payments done via Cash	₹100

Late Payment Fees 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.	Amount Due
₹0 - ₹500	₹0
₹501 - ₹1000	₹100
₹1001 - ₹5000	₹500
₹5001 - ₹10000	₹600
₹10001 - ₹25000	₹750
₹25001 - ₹50000	₹900
₹50000 and above	₹1100