HSBC Premier Credit Card (Metal)
HSBC
Rewards 2.2%
Net Value -₹4,376
Joining Fee ₹12,000
Renewal Fee ₹20,000
Unlimited lounge access • Forex 1.0%
Times Black ICICI Bank Credit Card
ICICI Bank ⭐ Featured
Ultra-premium lifestyle and travel credit card
Joining Fee
Not disclosed
Check with issuer
First Year Net
+₹14,304
Annual Fee
Not disclosed
Check with issuer
Renewal Net
+₹14,304
Base Reward Rate
2.0%
on general spend
Best Category
0.0%
Final Net Score
29
out of 100
Net Annual Value
+₹14,304
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
29/100
Effective Reward Rate
Weighted average based on your spending categories
2.0%
Annual Net Value
Expected yearly benefit after all costs
₹14,304
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Ultra-premium lifestyle and travel credit card
Launch Date
2024
Networks
Visa
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹14,304
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 166,667 monthly spend.
- Base rewards: Value is driven mostly by the base reward rate and fee math.
Details
Spend curve and supporting scenario values
Times Black ICICI Bank Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: Free
- Foreign Transaction: 1.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 2.0% reward rate
- Lounge Access: Available
- Our Rating: 29/100
Times Black ICICI Bank Credit Card - Frequently Asked Questions
What are the benefits of Times Black ICICI Bank Credit Card?
Times Black ICICI Bank Credit Card from ICICI Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Times Black ICICI Bank Credit Card?
Times Black ICICI Bank Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does Times Black ICICI Bank Credit Card cost?
The annual fee for Times Black ICICI Bank Credit Card is free. Additional charges may include foreign transaction fees and late payment charges.
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