ICICI Bank Times Black Credit Card Launched - Full Details & Review

[Vineet Kumar]

I think the actual visa infinite debit card looks different. And also account type is mentioned on the card.

Do share pic once physical card arrives.

This is the Private Banking DC by ICICI on the Visa Infinite platform. I've been using this for quitr some time now. While it definitely looks better than the ICICI Wealth MC World DC, the ICICI WS Visa Infinite DC has a more premium design compared to this one.

The only standout feature of this card is the 6 Lounge Accesses per quarter, while all other benefits remain the same. For comparison:

ICICI WS Visa Infinite DC offers 4 lounge accesses per quarter.

ICICI Wealth MC World DC offers just 2 lounge accesses per quarter but compensates with complimentary golf lessons and games, which neither of the Visa Debit Cards provide.

Interestingly, I’ve realized that despite owning this card for long, I haven’t used it even once for ATM withdrawals, lounge access, or shopping. The only "activity" on it has been PIN generation, and now it's solely used for grid authentication for online banking.

This made me reflect: while we often aim to collect premium cards for their exclusive benefits, in practice, most of these features remain underutilized. For instance, I’ve used lounge access 26 times this year, which could have easily been managed with just one card offering unlimited lounge visits. Yet, I continue to hold 7 top-tier cards with unlimited lounge access, plus several other premium and mid-tier cards.

At this point, it feels less about actual needs and more like a hobby of card collecting, driven by excitement over new launches rather than practicality.

Oh, and by the way – I’ve just received the Times Black Card too!

 

[Dobbiee]

This is the Private Banking DC by ICICI on the Visa Infinite platform. I've been using this for quitr some time now. While it definitely looks better than the ICICI Wealth MC World DC, the ICICI WS Visa Infinite DC has a more premium design compared to this one.

The only standout feature of this card is the 6 Lounge Accesses per quarter, while all other benefits remain the same. For comparison:

ICICI WS Visa Infinite DC offers 4 lounge accesses per quarter.

ICICI Wealth MC World DC offers just 2 lounge accesses per quarter but compensates with complimentary golf lessons and games, which neither of the Visa Debit Cards provide.

Interestingly, I’ve realized that despite owning this card for long, I haven’t used it even once for ATM withdrawals, lounge access, or shopping. The only "activity" on it has been PIN generation, and now it's solely used for grid authentication for online banking.

This made me reflect: while we often aim to collect premium cards for their exclusive benefits, in practice, most of these features remain underutilized. For instance, I’ve used lounge access 26 times this year, which could have easily been managed with just one card offering unlimited lounge visits. Yet, I continue to hold 7 top-tier cards with unlimited lounge access, plus several other premium and mid-tier cards.

At this point, it feels less about actual needs and more like a hobby of card collecting, driven by excitement over new launches rather than practicality.

Oh, and by the way – I’ve just received the Times Black Card too!

Very valid on all points.

 

[Bionick]

Interestingly, I’ve realized that despite owning this card for long, I haven’t used it even once for ATM withdrawals, lounge access, or shopping. The only "activity" on it has been PIN generation, and now it's solely used for grid authentication for online banking.

When will this grid authentication go away. It was frustrating and one of the reasons I got rid of ICICI savings account.

 

[Dobbiee]

When will this grid authentication go away. It was frustrating and one of the reasons I got rid of ICICI savings account.

Its an old traditional system of authentication in the world of OTPs.
Gradually grid fades out. Had several times got a new card issued due to this reason. Once had to get a new card within a month, the grid was too small and not readable. Now I keep photo of card or make a note of the grid.

ICICI had been known for good technology and app experience, but since ousting of Chanda Kochhar, they seem to be stagnant and not changing with time.

 

[itzmycard]

Why are you guys still getting grid authentication? They stopped it on my account long time ago...

 

[Sobirvs]

Its an old traditional system of authentication in the world of OTPs.

But grid also requires otp too, that's the pain.

 

[Sobirvs]

Why are you guys still getting grid authentication? They stopped it on my account long time ago...

how to get it stopped? I have it still.

 

[itzmycard]

how to get it stopped? I have it still.

I didn't do anything. But I haven't seen it from long time. BTW on which transactions do you still see grid authentication?

 

[Sobirvs]

I didn't do anything. But I haven't seen it from long time. BTW on which transactions do you still see grid authentication?

adding payee, or imps, or netbanking payment or recently i wanted to see my virtual debit card numbers and it asked me grid+otp.