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HDFC Bank Titanium Times Credit Card VS Times Black ICICI Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
HDFC Bank Titanium Times Credit Card
HDFC Bank Titanium Times Credit Card
Times Black ICICI Bank Credit Card
Times Black ICICI Bank Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹20,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹20,000 + GST
Spend Based WaiverRenewal fee waived off on spending ₹1,50,000 or more within an anniversary year.
Spend Based WaiverAnnual fee waived from 2nd year on ₹25 Lakh spends in the previous year.
Foreign Transaction Fees3.5% of transaction amount plus applicable taxes on international spends.
Foreign Transaction Fees1.49%
Interest Rate (APR)Applicable interest rate of 3.6% per month or 43.2% per annum.
Interest Rate (APR)3.75% per month on outstanding balance if only minimum due is paid.

Rewards & Benefits

Welcome BonusComplimentary Times Prime Membership (worth ₹999) & e-vouchers worth ₹5,000 on activation.
Welcome BonusLuxury stay gift cards (₹10-12K), lifestyle vouchers (₹4K), Zomato Gold, travel visa benefits (₹10K).
Rewards RateEarn 2 Reward Points per ₹150 on retail, 5 RPs per ₹150 on weekday dining transactions.
Rewards RateEarn 2.5% RP on international spends, 2% RP on domestic spends. Capped on utilities/insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeA fee of ₹99 plus applicable taxes is charged per reward redemption request.
Reward Redemption FeeNot applicable.

Travel & Lifestyle

Domestic Lounge AccessNot Applicable. This card does not offer any domestic airport lounge access benefits.
Domestic Lounge AccessUnlimited complimentary access for primary and add-on cardholders by swiping the card.
International Lounge AccessNot Applicable. This card does not offer any international airport lounge access benefits.
International Lounge AccessUnlimited complimentary access for primary/add-on cardholders via Priority Pass.
Travel BenefitsNot Applicable. No specific travel benefits are provided with this card.
Travel BenefitsUnlimited domestic/international lounge access, 1.49% Forex markup, luxury airport transfers, Avis discounts.
Movie BenefitsEnjoy 25% off on movie tickets (up to ₹350/transaction, 4 tickets/month) via BookMyShow.
Movie Benefits
Dining BenefitsEarn 5 RPs on ₹150 weekday dining, complimentary 6 months EazyDiner Prime, up to 35% off via Dineout.
Dining BenefitsAnnual Zomato Gold membership, 20% dining discount at select premium restaurants via The Quorum Club.
Golf BenefitsNot Applicable. No golf benefits or privileges are provided with this card.
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹4,000), capped at ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions at all stations, up to ₹1,000 per statement cycle.

Security & Other

Insurance BenefitsNot Applicable. No specific insurance cover or benefits are included with this card.
Insurance BenefitsComprehensive insurance: Air accident (₹3 Cr), purchase protection (₹1.4L), credit shield (₹1L), travel covers.
Cash Advance ChargesCharges are 2.50% of the amount withdrawn or ₹500, whichever value is higher.
Cash Advance ChargesNo cash withdrawal charges.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Titanium Times Credit Card

Times Black ICICI Bank Credit Card

Who is it for?

The HDFC Bank Titanium Times Credit Card is an excellent choice for individuals whose spending habits predominantly include movies and dining. It offers substantial benefits in these categories, such as a 25% discount on movie tickets and accelerated reward points on weekday dining. A key highlight is the complimentary Times Prime annual membership, adding significant value. Despite being an entry-level card, its strong focus on entertainment and dining makes it highly competitive.

Who is it for?

The Times Black ICICI Bank Credit Card is a premium metal card for UHNIs, offering luxury stays, low Forex markup, and unlimited lounge access. It's ideal for high spenders who value fine dining, travel, and shopping, with unique perks like luxury airport transfers.

Pros

Key benefits and features.

Excellent benefits for movie buffs with 25% off on movie tickets via BookMyShow.

Accelerated reward points on dining spends, especially on weekdays for food enthusiasts.

Includes a valuable complimentary Times Prime annual membership and e-vouchers.

Low annual fee of ₹500, easily waived by meeting a reasonable spend of ₹1.5 lakhs.

Additional cashback offers on utility bills and shopping via SmartPay/SmartBuy.

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.

Lacks any domestic or international airport lounge access benefits for frequent travelers.

Does not provide any specific golf or comprehensive travel-related privileges at all.

Reward points have significant caps on categories like fuel, utility, grocery, and insurance.

A reward redemption fee of ₹99 plus taxes is charged for each redemption request.

High foreign currency markup of 3.5% makes it unsuitable for international transactions.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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