Times Black ICICI Bank Credit Card Review
Author And Publisher: Gyro 3.oTimes Black ICICI Bank Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
Times Black ICICI Bank Credit Card Review
"Elite Travel Companion"
Introduction
Key Features and Benefits
Welcome and Renewal Benefits
Luxury Stay Gift Card from EaseMyTrip worth ₹10,000.
Travel Visa Benefits with Atlys and OneVasco worth ₹10,000.
Exclusive access to The Quorum Club, unlocking exceptional benefits.
Lifestyle Gift Cards from Toni&Guy and Interflora worth ₹4,000.
Annual membership of Zomato Gold.
Reward Structure
| Spend Category | Reward Rate | Notes/Exclusions |
|---|---|---|
| Domestic spends | 2% (2 points/₹100) | |
| International spends | 2.5% (2.5 points/₹100) | Low mark-up fee of 1.49% on all foreign currency transactions. |
Value of 1 reward point = Up to ₹1 (varies by redemption option).
Milestone Benefits
Klook’s international experiences and activities worth ₹10,000.
Luxury airport transfers via BLADE India/Avis/Indian Travel House worth ₹10,000.
Tata CLiQ Luxury Gift Card worth ₹10,000.
One night luxury stay from Ayatana Resorts worth ₹20,000.
Annual fee waiver on spends of ₹25 lakh.
Milestone benefits worth up to ₹70,000 on higher spends.
Lounge Access
Unlimited domestic and international lounge access.
concierge services
24x7 international and domestic concierge services.
Insurance Coverage
- Coverage Sum Insured Amount Personal Accident due to Air (Death only) ₹ 3,00,00,000.
- Purchase Protection ₹ 1,40,000.
- Credit Shield ₹ 1,00,000.
- Loss of Checked in Baggage ₹ 84,000.
- Plane Hijacking ₹ 1,00,000.
- Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection) ₹ 50,000.
- Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident ₹ 50,000.
- Loss of Passport and travel related documents ₹ 35,000.
- Baggage Insurance ₹ 25,000.
- Delay of Checked in Baggage ₹ 21,000.
- Missing of Connecting International Flight During Transit ₹ 21,000.
- Delay in Flight ₹ 17,500.
- Card Usage: You must have used your Times Black ICICI Bank Credit Card at least once in the last 60 days before the incident for coverage to apply.
- Primary Card Only: Only the Primary Card holder is covered. Supplementary Cards have no insurance coverage.
- Minimum Payment Due: Always pay at least the minimum amount due on your credit card to ensure insurance benefits are active.
- Active Card: The card must have at least one transaction (ATM, POS, or online) in the last 90 days from the date of loss.
- International Travel Only: Travel insurance benefits are only for international travel, not domestic. Tickets must be purchased using your Times Black ICICI Bank Credit Card.
Fuel Surcharge Waiver
Fuel surcharge waiver of 1% on all transactions.
Annual Fee and Charges
- Joining/Annual Fee: ₹20,000 + GST.
Struggling to keep up with mounting credit card bills?
Card Essential
| Type | Reward Points |
| Welcome Benefits | gifts vouchers worth ₹34,000+*. |
| Annual Fee | ₹20,000 + GST |
| Reward Structure | Rewards On SPENDS |
| Renewal Benefit | Spend ₹25 Lakh+ annually, get your renewal fee waived. |
Rewards and Benefits Analysis
The Times Black ICICI Bank Credit Card is best suited for high spenders who value luxury, exclusivity, and convenience. Its unlimited lounge access, robust milestone rewards, and exclusive lifestyle perks justify the high annual fee for those who can maximize its benefits. The card’s low forex markup and premium service memberships make it especially attractive for frequent travelers and global shoppers.
Practical Considerations
Best for: High-net-worth individuals, frequent travelers, and those who appreciate luxury experiences.
Milestone and renewal benefits can easily offset the annual fee for high spenders.
low forex markup enhance international travel convenience.
Annual fee waiver is available upon reaching a specified spending milestone.
Exclusive access to The Quorum Club and premium service memberships add significant lifestyle value.
Redemption Options
Redeem reward points for travel, shopping, and more.
Ideal User Profile
High spenders who want to maximize value from their credit card.
Frequent travelers who value unlimited lounge access and low forex fees.
Individuals who enjoy exclusive lifestyle and dining experiences.
Those who can take advantage of milestone and renewal benefits to offset the annual fee.
Final Thoughts
The Times Black ICICI Bank Credit Card is a standout among India’s premium credit cards, offering a blend of luxury, convenience, and exclusivity. Its unlimited lounge access, milestone benefits, and exclusive lifestyle perks make it a compelling choice for those who can justify the high annual fee. For the right user, the tangible benefits more than compensate for the cost, making it one of the most rewarding premium cards available.
Additional Tips for Potential Applicants
- You qualify if you're an Indian citizen over 21 earning ₹2,00,000/month (salaried) or ₹24,00,000/year (self-employed).
- Plan Your Annual Spends To Maximize Milestone And Renewal Benefits.
- Take Full Advantage Of Unlimited Lounge Access And Premium Service Memberships.
- Use The Card For International Travel To Benefit From The Low Forex Markup.
- Monitor Excluded Categories And Redemption Options To Maximize Value.
Overall, the Times Black ICICI Bank Credit Card is an elite choice for those seeking luxury, convenience, and exclusivity in their credit card experience.
- This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Times Black ICICI Bank Credit Card aligns with their
Spending Habits And Financial Goals.
Gyro - Your Financial Compass Is A Constantly Updating Financial Insights Engine That Aggregates Data From Various Sources To Provide Up-To-Date insights On Banking Products. Cashon.cards Offers Blogs, Videos, And Podcasts To Help Users Make Informed Financial Decisions.