ICICI Bank

ICICI Bank Business Advantage Black Credit Card

VisaBusinessBusiness: StandardLifetime free
Lounge accessTravel insuranceDining benefitsFuel waiver
Free
1st year fee
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Fees
Annual feeINR 1,000 + GST (waived on INR 7,50,000 annual spend)
Joining feeINR 1,500 + GST (credited back on INR 75,000 spend within 60 days of card issuance)
Renewal feeINR 1,000 + GST (waived on INR 7,50,000 annual spend)
Fee waiverAnnual spend of INR 7,50,000 in card anniversary year
Spend waiverJoining fee credited back on INR 75,000 within 60 days; annual renewal fee waived on INR 7,50,000 annual spend
Interest rate3.40% per month (40.80% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup3.5% + GST
Cash advance2.5% of amount withdrawn or INR 500 (whichever is higher)
Eligibility
Min income (salaried)N/A - Business card
Age range21-65 years
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rate0.20% additional cashback on bill payment via ICICI Corporate Net Banking before due date
Cashback %Up to 1% on eligible domestic and international spends (tiered by statement balance). 0.20% additional on ICICI Corporate Net Banking payment. Excluded: fuel, utility, cash, insurance, government/tax, education.
Cashback capINR 2,000 per month maximum cashback across all eligible transactions
Travel & lounge
Domestic lounge2 complimentary domestic airport lounge visits per quarter at select airports
International loungeNot included
Lounge conditionsNo minimum spend condition mentioned for domestic lounge visits
Travel insurancePersonal air accident death cover up to INR 75 lakh
Insurance coveragePersonal air accident death cover: INR 75 lakh
Concierge24/7 i-Assist concierge service (18002670731 toll-free / 022-67872016)
Lifestyle
Dining benefitsMinimum 15% savings at 2,500+ restaurants across 11 cities via ICICI Culinary Treats Programme
Dining discountsMinimum 15% off dining at 2,500+ restaurants via ICICI Culinary Treats Programme
Fuel surcharge1% fuel surcharge waiver
E-commerce offersDocuSign; Evernote; Awfis; Amazon Web Services; Airtel business plans (exclusive SME partner deals)
AdditionalAlso known as ICICI Bank Cashback Black Card. Expense tracking and reporting via VISB and Admin Portal.
Credit limit & EMI
Insurance & protection
Digital & security
Contactlesstrue
Zero liabilityZero liability with Visa PayWave security technology
WhatsApp supporttrue
Ideal for

SME/MSME Owners | Corporate Expense Managers | Business Travellers

Read our guides
Airport Lounge Access GuideHow Rewards WorkJoining Fee vs Annual Fee

Know your rights

Banks cannot send you a credit card you didn't apply for. If they do and bill you, they must reverse the charge AND pay you twice that amount as penalty, automatically, no questions asked.