Axis Bank Olympus Credit Card VS Times Black ICICI Bank Credit Card
Both Axis Bank Olympus Credit Card and Times Black ICICI Bank Credit Card suit travel-focused spenders, but they earn and cost differently. Axis Bank Olympus Credit Card costs ₹20,000 + GST and earns 1 EDGE Mile/₹100 domestic (4% effective) & 2 EDGE Miles/₹100 international (5.8% effective). Times Black ICICI Bank Credit Card costs ₹20,000 + GST and earns 2.5% RP on international spends, 2% RP on domestic spends. Capped on utilities/insurance. Axis Bank Olympus Credit Card also brings unlimited domestic lounge access for primary & add-on cardholders + 10 guest visits annually, while Times Black ICICI Bank Credit Card counters with unlimited complimentary access for primary and add-on cardholders by swiping the card. If international spends spending matters more, go with Axis Bank Olympus Credit Card; if dining is the priority, Times Black ICICI Bank Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank Olympus Credit Card
Times Black ICICI Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Exceptional reward rate of 4% on domestic and 5.8% on international spends.
Unlimited domestic and international lounge access for primary and add-on cardholders.
Complimentary Taj Epicure membership offers significant dining and stay discounts.
Flexible redemption via Travel EDGE (1 EDGE Mile = 4 Partner Points) or transfer to partners.
Enjoy 8 complimentary golf rounds/lessons annually, with additional rounds on spend.
Pros
Key benefits and features.
Enjoy luxurious benefits like helicopter city transfers and exclusive access to premium events and clubs.
Earn high reward rates: 2.5% on international and 2% on domestic spending.
Benefit from unlimited complimentary access to both domestic and international airport lounges.
Comprehensive insurance cover provides extensive protection for various travel and personal eventualities.
A competitive 1.49% Forex markup makes international transactions more cost-effective.
Cons
Key drawbacks and limitations.
High joining and annual fees of ₹20,000 + GST make it a significant investment.
Lacks milestone benefits, which are often expected from super-premium credit cards.
No spend-based waiver for the annual fee, requiring full payment each year.
Exclusion of reward points on key categories like utilities, rent, and fuel.
Cons
Key drawbacks and limitations.
The 1.49% Forex markup is a drawback, as some premium cards offer zero Forex charges.
The high annual fee waiver threshold of ₹25 lakh is challenging for many cardholders.
Helicopter city transfer is limited to Bangalore Airport and can only be availed once annually.
A monthly cap of 5,000 reward points applies to utility, insurance, and education payments.
No reward points are earned on essential transactions like fuel and rent payments.