Times Black ICICI Bank Credit Card

Conclusion

Though annual and milestone benefits on the card are good, they are mostly brand-centric, which may be restricting for some users. The card also somehow lacks in offering certain expected high-end benefits. The redemption options on the card are limited to product/voucher and cash. Thus, no airmile or travel redemption. This is slightly disappointing for a card that offers features like rewards on travel and a low forex markup fee. For travel, no benefit is extended on hotel stays—a perk lately seen on many premium cards. Apart from this, the card also misses on offering other lifestyle benefits around movies and golf. Even the reward rate on the card is fairly low in comparison to other cards like HDFC Diners Club that offer 3.33% at a lower annual fee of Rs. 10,000. Thus, ICICI Times Platinum is a suitable card only for people who own multiple cards to cover up for where the card lacks and then avail the maximum value on the annual benefits. Otherwise, at a high annual fee of Rs. 20,000 consumers can definitely find better options.