CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
27
#130 of 173 in credit
ICICI Bank

ICICI Times Black Credit Card

creditAmex

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value14/100 · weight 65%
≈ 0.68% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +4.3% score bonus — earns broadly without narrow category restrictions.
Fee efficiency7/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks69/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹20,000 + 18% GST
= ₹23,600 total
Annual fee
₹20,000 + 18% GST
= ₹23,600 / year total
Forex markup
1.5%

Lounge access

Domestic (per year)
16
International (per year)
12

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints1.25%(5 pts @ ₹0.25)——
diningpoints1.25%(5 pts @ ₹0.25)——
travelpoints1.25%(5 pts @ ₹0.25)——
groceriespoints1.25%(5 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.25%(1 pts @ ₹0.25)——