ICICI Bank Times Black Metal Credit Card
ICICI Bank · Visa
Why this card?
- 2.5% back in reward points on international spends; 2% on other spends
- ₹20,000 joining and annual fee; renewal fee waived on ₹25 lakh yearly spend
- Unlimited domestic and international airport lounge access
- 1.49% forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- ICICI Bank
- Network
- Visa
- Annual Fee
- ₹20,000
- Joining Fee
- ₹20,000
- Reward Type
- points
- Best Reward Rate
- 2.5% on international spends
- Forex Markup
- 1.49%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹2,00,000
- Rates verified
- 2026-10-06
Our verdict
ICICI Times Black Metal is the bank's flagship super-premium card, with a 1.49% forex markup, unlimited domestic and international lounge access and a flat reward structure of about 2% back as points on domestic spends and 2.5% on international spends. Points are worth up to ₹1 each but only ₹0.40 on statement redemption, so real value depends on how you redeem. Ideal for frequent international travellers who want lounge access and low forex drag, and who can spend ₹25 lakh a year to get the ₹20,000 fee waived.
Pros
- 1.49% forex markup — low for a super-premium card
- Unlimited domestic and international lounge access
- Metal card build quality
- About 2% back as points on domestic spends and 2.5% on international, plus a fuel surcharge waiver
Cons
- ₹20,000 annual fee, waived only at ₹25 lakh annual spend
- Points are worth up to ₹1 but only ₹0.40 on statement redemption, so value varies
- No points on fuel, rent or EMI, and utilities, insurance, education and government spends are capped at 5,000 points per statement cycle
- Needs a monthly income of ₹2 lakh, which limits who can apply