With Emeralde Private out of reach for most, does it make sense to get the Times Black card and reap the benefits of the updated rewards structure?
Let’s do a quick breakdown of the easily accessible Times Black credit card!
If you like the content, do drop a
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Fee: Rs. 23600 (incl. GST)
Welcome benefit:
1. 10k Easemytrip hotel voucher - decent
2. 10k visa services voucher - not for everyone
Net fee: Rs. 13-15k (depending on the value of welcome benefits)
Renewal Benefit: Nil
Benefits of the Times Black Card
- Apay and other vouchers - you will get 12% up to 12k points a month
- Flight bookings via ICICI portal - you will get 12% up to 12k points a month
- Hotel Bookings via ICICI portal - you will get 24% up to 12k points a month
Note: 12k is the monthly capping for all accelerated reward points.
Milestone benefits:
- 2L spend: You get a 10k Klook voucher. So if you have a trip planned jahan activities planned hain, this can be used. In addition to this the card gives 10% off on Klook activities up to 1000 per booking.
- 5L spend: it unlocks 2 airport transfers in Innova or 1 helicopter transfer
Other benefits
- No exclusions, get 2% base reward rate
- Redemption: 100% usage of points on flight and 90% on hotels and 50% on vouchers
- Easier to get
This card now comes close to DCB but where it lacks against DCB:
- DCB base reward rate is 3.3% vs TB at 2%. And DCB milestone brings the reward rate to 5.8%
- The fee waiver is very high at 25L. DCB is at 8L
- Even though TB card has a 1.49% Foreign currency markup vs 1.99% with the HDFC premium cards. However with DCB you have the option of GVP + higher reward rate
- The chances of HDFC getting devalued are low compared to ICICI devaluing some benefits similar to the Magnus era.
Where it shines:
- This is a visa card to Diners acceptability is a non-issue with this.
- Higher voucher and flight/hotel reward rate via iShop compared to Smartbuy and higher monthly limit of accelerated reward points
- Countless soft benefits, if they work for you, take the card!
Why this would make sense, at least for first year:
You have spends on vouchers, flights and hotels coming up so that you can recoup good value even though the card does not give rewards equivalent to it’s fee.
Let us know in the comments whether you are taking this card?
Updated cappings for the accelerated reward points
With Emeralde Private out of reach for most, does it make sense to get the Times Black card and reap the benefits of the updated rewards structure?
Let’s do a quick breakdown of the easily accessible Times Black credit card!
If you like the content, do drop a
❤️Like
🔁Retweet
🔖Bookmark
and follow @RewardsMaverickFee: Rs. 23600 (incl. GST)
Welcome benefit:
1. 10k Easemytrip hotel voucher - decent
2. 10k visa services voucher - not for everyone
Net fee: Rs. 13-15k (depending on the value of welcome benefits)
Renewal Benefit: NilBenefits of the Times Black Card
- Apay and other vouchers - you will get 12% up to 12k points a month
- Flight bookings via ICICI portal - you will get 12% up to 12k points a month
- Hotel Bookings via ICICI portal - you will get 24% up to 12k points a month
Note: 12k is the monthly capping for all accelerated reward points.Milestone benefits:
- 2L spend: You get a 10k Klook voucher. So if you have a trip planned jahan activities planned hain, this can be used. In addition to this the card gives 10% off on Klook activities up to 1000 per booking.
- 5L spend: it unlocks 2 airport transfers in Innova or 1 helicopter transfer
- 10L spend: Rs. 10k Tata Cliq voucher
- 20L spend: Rs. 20k worth complimentary stay at Ayatana ResortsOther benefits
- No exclusions, get 2% base reward rate
- Redemption: 100% usage of points on flight and 90% on hotels and 50% on vouchers
- Easier to getThis card now comes close to DCB but where it lacks against DCB:
- DCB base reward rate is 3.3% vs TB at 2%. And DCB milestone brings the reward rate to 5.8%
- The fee waiver is very high at 25L. DCB is at 8L
- Even though TB card has a 1.49% Foreign currency markup vs 1.99% with the HDFC premium cards. However with DCB you have the option of GVP + higher reward rate
- The chances of HDFC getting devalued are low compared to ICICI devaluing some benefits similar to the Magnus era.Where it shines:
- This is a visa card to Diners acceptability is a non-issue with this.
- Higher voucher and flight/hotel reward rate via iShop compared to Smartbuy and higher monthly limit of accelerated reward points
- Countless soft benefits, if they work for you, take the card!Why this would make sense, at least for first year:
You have spends on vouchers, flights and hotels coming up so that you can recoup good value even though the card does not give rewards equivalent to it’s fee.
Let us know in the comments whether you are taking this card?Updated cappings for the accelerated reward points
yes
With Emeralde Private out of reach for most, does it make sense to get the Times Black card and reap the benefits of the updated rewards structure?
Let’s do a quick breakdown of the easily accessible Times Black credit card!
If you like the content, do drop a
️Like
Retweet
Bookmark
and follow @RewardsMaverick ... Fee: Rs. 23600 (incl. GST)
Welcome benefit:
1. 10k Easemytrip hotel voucher - decent
2. 10k visa services voucher - not for everyone
Net fee: Rs. 13-15k (depending on the value of welcome benefits)
Renewal Benefit: Nil ... Benefits of the Times Black Card
- Apay and other vouchers - you will get 12% up to 12k points a month
- Flight bookings via ICICI portal - you will get 12% up to 12k points a month
- Hotel Bookings via ICICI portal - you will get 24% up to 12k points a month
Note: 12k is the monthly capping for all accelerated reward points. ... Milestone benefits:
- 2L spend: You get a 10k Klook voucher. So if you have a trip planned jahan activities planned hain, this can be used. In addition to this the card gives 10% off on Klook activities up to 1000 per booking.
- 5L spend: it unlocks 2 airport transfers in Innova or 1 helicopter transfer
- 10L spend: Rs. 10k Tata Cliq voucher
- 20L spend: Rs. 20k worth complimentary stay at Ayatana Resorts ... Other benefits
- No exclusions, get 2% base reward rate
- Redemption: 100% usage of points on flight and 90% on hotels and 50% on vouchers
- Easier to get ... This card now comes close to DCB but where it lacks against DCB:
- DCB base reward rate is 3.3% vs TB at 2%. And DCB milestone brings the reward rate to 5.8%
- The fee waiver is very high at 25L. DCB is at 8L
- Even though TB card has a 1.49% Foreign currency markup vs 1.99% with the HDFC premium cards. However with DCB you have the option of GVP + higher reward rate
- The chances of HDFC getting devalued are low compared to ICICI devaluing some benefits similar to the Magnus era. ... Where it shines:
- This is a visa card to Diners acceptability is a non-issue with this.
- Higher voucher and flight/hotel reward rate via iShop compared to Smartbuy and higher monthly limit of accelerated reward points
- Countless soft benefits, if they work for you, take the card! ... Why this would make sense, at least for first year:
You have spends on vouchers, flights and hotels coming up so that you can recoup good value even though the card does not give rewards equivalent to it’s fee.
Let us know in the comments whether you are taking this card? ... Updated cappings for the accelerated reward points
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