Visa ★ Metal Edition 📡 Contactless NFC

Times Black Credit Card

Joining Fee₹20,000

Annual Fee₹20,000

Forex Markup 2.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Affluent travelers and luxury lifestyle patrons seeking unlimited global airport lounge access, 12X travel rewards, and premium dining privileges.

Who Should Avoid

Users who cannot justify the ₹20,000 annual fee or those unable to meet the ₹10 Lakh annual spend fee waiver.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

20,000 bonus Reward Points + luxury brand welcome vouchers upon payment of joining fee and realization

Unlimited Global Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders via Priority Pass.

Up to 12X Rewards on Travel Bookings

Earn up to 12X Reward Points on hotel and flight bookings made via the iShop portal.

Elite Lifestyle & Dining Memberships

Complimentary annual memberships to premium lifestyle and dining programs with elite hotel tier perks.

💰 Reward Structure & Point Valuation

1 Times Reward Points = ₹0.25

Standard Base Earning

2% Reward Points on domestic retail spends (1 RP = ₹0.25)

Accelerated / Partner Rate

Up to 12X Reward Points on hotel, flight, and travel bookings via iShop portal; 2.5% valueback on international retail spends; Complimentary golf rounds

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Flight and Hotel Bookings via iShop Travel Portal, Brand Vouchers & Electronics Catalog, Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr

Annual renewal fee of ₹20,000 + GST is waived off on spending ₹10,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹200,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.50% to 3.50% per month (18.0% to 42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Times Black Credit Card

Annual Fee: ₹20,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, Times Black Credit Card has a joining fee of ₹20000 and an annual renewal fee of ₹20000 (plus applicable taxes).