Times Black Icici Credit Card

Lounge access

• Unlimited complimentary international airport lounge access via Priority Pass Membership for both Primary and Add-on cardholders (guest visits charged at USD 29 + GST per visit per guest).
• Unlimited complimentary domestic lounge access within India by swiping the Times Black ICICI Bank Credit Card (complimentary access eligible only for Times Black cardholders; benefit available to primary and add-on cardholders).

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Forex markup

Foreign currency transaction mark-up of 1.49% for Times Black ICICI Bank Credit Card.

Verified · ICICI Bank Credit Cards – Most Important Terms & Conditions (MITC, covers Times Black) · 2026-08-03 · source

Charge

• Finance charge: 3.75% per month (45% p.a.) on retail and cash advances (w.e.f. Nov 15, 2024).
• Cash advance transaction fee: Nil for Times Black.
• Card replacement fee: ₹3,500 for Times Black.
• Add-on/Supplementary Card fee: ₹3,500 + GST one-time per card (w.e.f. Nov 15, 2024).
• Dynamic Currency Conversion fee: 1.49% for Times Black (w.e.f. Jan 15, 2026).
• Over-limit charges: 2.50% of over-limit amount (min ₹550).
• Rent Pay: 1% (MCC 6513).
• Fuel transaction fee: 1% on transactions over ₹10,000.
• Utility transaction fee: 1% over ₹50,000.
• Transportation transaction fee: 1% over ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment fee: 1% via third-party apps.
• Skill-based gaming: 2% (w.e.f. Jan 15, 2026).
• Wallet load: 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Fee on cash payment at branches: ₹150 per transaction (w.e.f. Jan 15, 2026).
• Late payment charges: nil under ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (over ₹50,000).
• Return of cheque / Auto-debit return fee: 2% of Total Amount Due (min ₹500).
• GST 18% applicable.

Verified · ICICI Bank Credit Cards – Most Important Terms & Conditions (MITC, covers Times Black) · 2026-08-03 · source

Interest-free period

Interest-free period ranges from 18 to 48 days, plus a 3-day grace period after the payment due date.

Verified · ICICI Bank Credit Cards – Most Important Terms & Conditions (MITC, covers Times Black) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on all fuel transactions.
• Maximum waiver of ₹1,000 per statement cycle.
• For Times Black, 1% fuel surcharge waiver at all petrol pumps for maximum transaction size of ₹4,000, applicable for spends up to ₹1,00,000 per statement cycle.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Milestone benefit

• Milestone Benefits accessible via Times Black app for six months from milestone notification: Klook gift voucher worth INR 10,000 on minimum spends of INR 2,00,000.
• Avis complimentary luxury airport transfers (Sedan, max 2 rides), Indian Travel House complimentary Sedan airport transfer (1 ride), and BLADE India complimentary luxury airport transfer by air (1 ride) on minimum spends of INR 5,00,000 (Times Black Mobility Wallet of 10,000 points = INR 10,000 unlocked at ₹5,00,000 spend).
• Tata CLiQ Luxury gift voucher worth INR 10,000 on minimum spends of INR 10,00,000.
• Ayatana Resorts gift voucher worth INR 20,000 (one-night luxury stay) on minimum spends of INR 20,00,000.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Redemption value

• 1 ICICI Bank reward point = up to ₹1.
• Redemption against statement 1 Rupee = ₹0.4.
• Redemption handling fee: ₹25 for Times Black Credit Card redemptions and for online & in-store redemptions at Online Partner Brands.
• ₹99 for ICICI Bank Rewards catalogue-based redemptions.
• Reward points expire 36 months from date of issuance.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Reward cap

• Reward points capped at 5,000 per statement cycle on: Utilities (MCC 4899,4900,4901,3887).
• Insurance Premium (MCC 5960,6300,6381,6399).
• Education (MCC 8211,8220,8241,8244,8249,8299,8493,8494,7911).
• Govt payments like house tax, advance tax, fines, court payments, postal payments (MCC 6760,9222,9311,9313,9211,9399,9402,9405).

Verified · ICICI Bank Credit Cards – Most Important Terms & Conditions (MITC, covers Times Black) · 2026-08-03 · source

Reward exclusion

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Concierge

• 24x7 i-Assist concierge services (restaurant referral/reservation, flower & gift assistance, flight/hotel referral & reservation, car rental & limousine service, movie ticket booking & delivery, medical concierge privileges, emergency auto assistance).
• CribLife lifestyle management: each Member entitled to receive 6 Services in a year.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Dining benefit

• The Quorum Club: 20% discount and access to Quorum Club restaurants (Cafe Reed in Mumbai, Zila in Hyderabad, Six80Nine in Gurgaon).
• Dine-in only, discount on alcohol by the glass/peg only, offer can be availed multiple times during the offer period.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Travel benefit

• Zero cancellation charges on flight and hotel bookings: coverage for first two cancellations (domestic flight/hotel/movie), non-refundable amount only, maximum indemnification limit INR 12,000 per transaction and INR 12,000 per card.
• Applicable for bookings/stays in India only, 4-star/5-star hotels, coverage till 24 hours before travel/stay date.
• Payment must be made only through the Times Black ICICI Bank Credit Card.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Insurance

• Comprehensive Insurance Coverage (Primary Card only, no cover on supplementary cards): Personal Accident due to Air (Death only) ₹3,00,00,000.
• Purchase Protection ₹1,40,000.
• Credit Shield ₹1,00,000.
• Plane Hijacking ₹1,00,000.
• Loss of Checked-in Baggage ₹84,000.
• Card Liability Cover (Lost Card/Counterfeit/Skimming/Phishing/Online Fraud) ₹50,000.
• Medical Expenses for injury from Rail/Road accident ₹50,000.
• Loss of Passport and travel documents ₹35,000.
• Baggage Insurance ₹25,000.
• Delay of Checked-in Baggage ₹21,000.
• Missing Connecting International Flight during transit ₹21,000.
• Delay in Flight ₹17,500.
• Card must be used at least once in last 60 days prior to event.

Verified · Times Black ICICI Credit Card – Terms & Conditions · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card.

Verified · Times Black Icici Credit Card product page · 2026-08-03 · source