Times Black ICICI Bank Credit Card

ICICI Bank · ₹20,000 a year · fee waived on ₹25,00,000 of annual spend

ICICI’s top card: 2% in points at home and 2.5% abroad, with luxury joining benefits.

Base rate: 0.8% as Reward Point.

What the bank says

• 2% in ICICI Bank reward points on eligible domestic spends, 2.5% on international spends
• Forex markup of 1.49%
• TATA CLiQ Luxury gift card worth ₹10,000, and a one-night luxury stay worth ₹20,000
• Annual membership of Zomato Gold
• Annual fee waived from the second year on spends of ₹25 lakh the previous year

Where it pays more

• 1% on international spends, where the card earns 2.5% in points instead of 2%
• 0.8% on utility and insurance payments, capped at 5,000 points a statement

Things that catch people out

• We value points at ₹0.40, their statement-credit value. ICICI says a point can be worth up to ₹1 through other redemptions, which would make the card far more rewarding.
• No points on fuel or rent. Utility, insurance, education and government payments share a cap of 5,000 points a statement.
• Salaried applicants need a monthly income of ₹2 lakh.

Joining fee: ₹20,000. Foreign currency markup: 1.49%.

Read from ICICI Bank’s own page on 2026-09-16.

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