ICICI Bank Business Advantage Black Credit Card
ICICI Bank · Open to apply
ICICI's cashback card for small businesses: up to 1% back once the month's spend passes ₹75,000 (0.5% at home from ₹25,000), at most ₹2,000 a month, with two domestic lounge visits a quarter. The ₹1,000 fee is waived at ₹7.5 lakh a year.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,500 + GST
- Fee waiver
- Annual fee waived on ₹7,50,000 spend per card year
- Base rate
- Domestic spends: 0.5% once the month's spend passes ₹25,000, 1% once it passes ₹75,000: 0% cashback up to ₹25,000; 0.5% cashback up to ₹75,000; 1% cashback above ₹75,000 (about 0% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- Domestic spends: 0.5% once the month's spend passes ₹25,000, 1% once it passes ₹75,000
- International spends: 1% once the month's spend passes ₹25,000
- No cashback on fuel, utilities, cash, insurance, government and tax payments or education
Where the sources disagree
- Spend that counts for the fee waivers: The MITC counts spend "on the Card" (₹75,000 or more in 60 days; ₹7,50,000 or more in the anniversary year); the membership guide says "eligible spends" above those amounts, which for cashback leaves out fuel, utilities, cash, insurance, government, tax and education. We use the MITC and apply no exclusion.
Terms the calculator does not value
- A further 0.20% of the Total Amount Due is paid as cashback when the bill is paid in full through ICICI Bank Corporate Net Banking before the due date (within 7 days of the statement), on top of the spend cashback.
- The cashback band depends on the month's total spend on the card; the calculator sets the domestic band by the domestic spend it values and the international band by the international spend, so a month that mixes both can reach a band earlier than shown.
- Cashback is paid only if all dues of the last billing cycle on every card of the firm are paid, and not for a year in which the firm does not renew its business card programme.
- Groceries and IRCTC railway spends earn the ordinary cashback rate: the consumer MITC's capping tables do not apply to this business card, and its own MITC and guide set no grocery or transportation cap (only the exclusions entered).
Sources
- ICICI Bank Business Advantage Black Card product page (Product page, the bank's own, read 6 Nov 2026)
- Business Cards MITC (2026-10-14) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- ICICI Bank Business Advantage Black Credit Card membership guide (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and conditions governing ICICI Bank business card facilities (PDF dated 2026-02-10) (Reward terms, the bank's own, read 6 Nov 2026)
- ICICI Bank business credit cards listing (Product page, the bank's own, read 6 Nov 2026)