# Times Black Icici Bank Credit Card

**Best for:** Frequent travelers and high spenders

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** 6X reward points on flight bookings · Unlimited access to international lounges · 2% rewards on insurance transactions

## Fees

- **Joining Fee:** Joining Fee of Rs.20000
- **Annual Fee:** Annual Fee of Rs.20000
- **Fee Waiver:** Spend Rs.25 lakh For Annual Fees Waiver
- **Forex Markup:** 1.49% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 2.5% Reward Points on International Transactions
- **Welcome Benefit:** Lohono Complimentary Gift Voucher Worth Rs.12000

## Lounge Access

- **Domestic:** Enjoy Unlimited Complimentary Lounge Visits in India
- **International:** Enjoy Unlimited Complimentary International Lounge Visits

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