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Reserve vs Times Black ICICI Bank – Full comparison
Both cards verified with issuer
Reserve source Times Black ICICI Bank sourceAnnual fee structure is a key difference
Key differences
Best forex Times Black ICICI Bank 1.49%
Lowest fee Times Black ICICI Bank ₹20,000
Spend context
At ₹50k/month spend:
- Reserve: Base earn not clearly specified
- Times Black ICICI Bank: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Reserve AXIS | Times Black ICICI Bank ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | Unlimited | Unlimited |
| International lounge visits Only available for Reserve | 12/year | Varies by variant |
| Forex / International Use | ||
| Forex markup 1.5% vs 1.49% | 1.5% | 1.49% |
| Fees | ||
| Annual fee ₹50,000 vs ₹20,000 | ₹50,000 | ₹20,000 |
| Joining fee ₹50,000 vs ₹20,000 | ₹50,000 | ₹20,000 |
| Fee waiver spend Only available for Times Black ICICI Bank | Not clearly specified | ₹25,00,000 |
| Rewards | ||
| Point cash value Only available for Reserve | ₹1 | Check issuer |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.