ICICI Bank Business Advantage Black Credit Card Review
The ICICI Business Advantage Black is a cashback card for registered businesses and professional practices. It pays tiered cashback that rises with monthly spend, plus a small bonus for paying the bill through ICICI Corporate Net Banking.
It suits businesses that run ₹75,000 or more a month through the card. Below that, the domestic cashback rate halves.
- Up to 1% cashback on domestic and international spends
- Extra 0.20% for paying via ICICI Corporate Net Banking
- Joining fee credited back on ₹75,000 spend in 60 days
- 2 airport lounge visits a quarter
- ₹75 lakh air accident cover
- Cashback capped at ₹2,000 a month
- Only 0.5% on domestic spends below ₹75,000 a month
- Fuel, utilities, insurance, tax and government payments excluded
- ₹1,000 annual fee unless you spend ₹7.5 lakh
- Requires a registered business
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹1,500 + GST, credited back on ₹75,000 eligible spend within 60 days |
| Annual fee | ₹1,000 + GST, waived for the next year on spend above ₹7.5 lakh |
| Interest | 3.75% a month |
| Forex markup | Check ICICI’s current schedule |
Rewards: how the card earns
| Monthly spend | Domestic | International |
|---|---|---|
| ₹25,000–₹75,000 | Up to 0.5% | Up to 1% |
| Above ₹75,000 | Up to 1% | Up to 1% |
Cashback is capped at ₹2,000 a month. Paying the bill through ICICI Corporate Net Banking before the due date earns an extra 0.20% of the total amount due.
What earns nothing
Fuel, utilities, cash, insurance, government and tax payments, education, fees and interest earn no cashback.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | 2 visits a quarter at select airport lounges |
| Insurance | Air accident cover up to ₹75 lakh |
| Concierge | 24×7 i-Assist concierge |
| Partner offers | Air India, Awfis, ClearTax, Dell, Google Workspace, Reliance Digital (check current offers) |
Eligibility
Issuer
ICICI Bank
Network
Visa
For
Registered businesses and professional practices
Documents
Business registration, address proof, bank statements, audited financials or GST returns
Who this card is for
- Good fit: businesses running ₹75,000–₹2.5 lakh a month of eligible spending through one card.
- Skip if: most of your business spending is on fuel, utilities, tax or government payments — these earn nothing.
Alternatives worth comparing
- Best business credit cards
- HDFC BizGrow — rewards tax and GST payments
- Best ICICI Bank credit cards
- GST input credit on business cards
Final verdict
A straightforward business cashback card that rewards volume: 1.2% back is achievable above ₹75,000 a month with net-banking payment. The ₹2,000 monthly cap and long exclusion list limit it for very large or tax-heavy spenders.
Frequently asked questions
How much cashback does Business Advantage Black give?
Up to 1% on all spends above ₹75,000 a month (0.5% domestic at ₹25,000–₹75,000), capped at ₹2,000 a month.
What is the extra 0.20%?
A bonus on the total amount due when you pay via ICICI Corporate Net Banking before the due date.
Are the fees waivable?
The ₹1,500 joining fee is credited back on ₹75,000 spend within 60 days; the ₹1,000 annual fee is waived on ₹7.5 lakh annual spend.
Does it have lounge access?
2 visits a quarter at select airport lounges.
Who can apply?
Registered businesses and professional practices with a stable financial record.
Last verified: October 2026, against ICICI Bank’s Business Advantage Black card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.