Route spending through ICICI product page highlights iShop reward multipliers; actual multiplier depends on merchant/category.
Earn 0.0× here — 0.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Super-premium · Premium
ICICI BANK · TIMES BLACK ICICI BANK CREDIT CARD
Times Black ICICI Bank Credit Card
ANNUAL FEE
₹20,000 waived at ₹25L spend
FIRST-YEAR NET VALUE
₹36,000 for a mid spender · travel
ICICI BANK Times Black ICICI Bank
•••• •••• •••• 4256
VALID THRU 12 / 28
VISAUpdated 17 Sep 2026 8 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is ICICI Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 750+ Excellent band preferred
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹36,000 first-year net value · mid spender · travel
Category rewards ₹36,000
Annual fee − ₹20,000
Fee waiver (met)· Annual fee waived from the 2nd year on minimum spends of ₹25,00,000 in the previous year (product page 2026-09-17) ₹20,000
Net first-year value ₹36,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 2.00% back on eligible spends 2.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.0% back
ICICI product page highlights iShop reward multipliers; actual multiplier depends on merchant/category · 0.0%
Everything else (base) · 2.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time ICICI Bank tweaks the program.
Line up your ₹25L before renewal.
Crossing ₹25L in the anniversary year waives the ₹20,000 fee — automatic for spenders at ₹2,08,333+/month. Watch your pace in months 10–12.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹20,000 · + 18% GST · one-time
Annual fee (year 2+) ₹20,000 · waived at ₹25L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 1.5% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹25L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Times Black ICICI Bank Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Annual fee waiver threshold corrected from ₹20 lakh to ₹25 lakh per the product page; ₹20 lakh milestone (one-night Ayatana/Lohono stay) added. Fee ₹20,000 + GST, 1.49% forex, 2% domestic reward rate with 5,000 RP category cap, unlimited domestic and international lounges, Zomato Gold and ₹10,000 EaseMyTrip / ₹12,000 Lohono welcome re-verified. Fee waiver is harder to reach; ranking treats the fee as payable for spend under ₹25L
- 7 Feb 2026 ICICI MITC revision reflected latest fee schedule reference used for Times Black verification Current fee/charge fields revalidated against updated MITC
- 15 Jan 2026 ICICI MITC DCC and selected category transaction fee updates became effective Times Black retained preferential 1.49% forex/DCC markup while bank-wide category fee rules changed
- 18 Dec 2024 ICICI Bank and Times Internet launched Times Black ICICI Bank Credit Card Introduced a new ultra-premium co-branded lifestyle card into the ICICI portfolio
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: ICICI Times Black product page (official), ICICI Bank and Times Internet launch press release (official), ICICI Times Black card T&C PDF (official), ICICI credit card MITC PDF (official, last updated Feb 07, 2026), ICICI domestic lounge list PDF (official), ICICI Times Black insurance cover PDF (official), ICICI Times Black cancellation claim process PDF (official), icicibank.com. Next scheduled review: 17 Mar 2027.