ICICI Bank · Super-premium
ICICI Times Black
Where it ranks across all 187 cards
#33 Wallet load
0.8%
direct
#44 Insurance
0.8%
direct
#46 Education
0.8%
direct
#52 Utility bills
0.8%
direct
#68 Jewellery & watches
0.8%
direct
#76 Gaming
0.8%
direct
#83 Mobile / broadband
0.8%
direct
#89 Train tickets
0.8%
direct
#95 Cabs & transit
0.8%
direct
#101 Other
0.8%
direct
#102 Health & pharmacy
0.8%
direct
#105 Electronics
0.8%
direct
#109 Hotels
0.8%
direct
#110 Flights
0.8%
direct
#113 Online shopping
0.8%
direct
#114 Fashion
0.8%
direct
#115 Food delivery
0.8%
direct
#116 Movies & events
0.8%
direct
#117 Groceries
0.8%
direct
#122 Dining out
0.8%
direct
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Bank FAQ, quoted verbatim (with Rs standing in for the rupee sign): 'The value of 1 ICICI Bank reward point can be up to Rs 1. However, when redeeming ICICI Bank reward points against your statement, the redemption rate is 1 Reward Point (RP) = Rs0.40.' The Rs 1 figure is an unspecified ceiling ('up to'), not a stated rate for a named channel, so pointValueINR uses the confirmed statement rate (Rs0.40) per house rule that ceilings display but never inflate the ranking value.
Points valued at ₹0.4/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.80%base rate
2 pts / ₹100
source
Source: Times Black ICICI Bank Credit Card - icici.bank.in - read 2 Oct 2026
2.5 pts / Rs 100 on international spends
1.00%this rule
2.5 pts / ₹100
source
Source: Times Black ICICI Bank Credit Card - icici.bank.in - read 2 Oct 2026
Base rate, but capped1
2 pts/Rs100 on utility, insurance, education and government payments, capped
base rate
source
Source: Times Black ICICI Bank Credit Card FAQs - icici.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, Rent, EMI
earns nothing
No reward points on fuel transactions, rent payments, or any spend converted into an EMI; points earned on such transactions are reversed.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, Rent, EMI
Source: Times Black ICICI Bank Credit Card FAQs - icici.bank.in - read 2 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.