super-premiumpointsICICI Bank · Mastercard
ICICI Bank Times Black Credit Card
2 RP per ₹100 base (1 RP = ₹0.25, so ~0.5% return). 3X on weekday dining. Headline perk is the Times Prime bundle, not the earn rate.
what it costs
| joining fee | ₹20,000 |
|---|---|
| annual fee | ₹20,000 |
| how to dodge the fee | Annual fee waived for the next year on ₹25,00,000 spend in the preceding anniversary year |
| forex markup | 1.49% |
how you earn
every ₹100 you swipe earns you points in ICICI Bank Reward Points.
| default | 0.5× / ₹100 |
|---|---|
| dining | 1.5× / ₹100 |
freebies
| welcome gift | Complimentary annual Times Prime membership |
|---|
extras
| domestic lounges | 4/year (1/quarter) |
|---|---|
| international lounges | — |
| who can apply | Salaried or self-employed; standard ICICI underwriting |
want it?
all numbers checked against the bank's page on 2026-05-30. apply links may carry an affiliate tag — see our disclosure.