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ICICI Bank HPCL Coral Credit Card
Visa, Mastercard 📡 Contactless NFC

ICICI Bank HPCL Coral Credit Card

Joining Fee₹199
Annual Fee₹199
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Everyday two-wheeler and car owners fueling at HPCL looking for 3.5% fuel savings, movie ticket discounts, and domestic airport lounge access at a low ₹199 annual fee.

Who Should Avoid

Motorists fueling at IOCL or BPCL stations or those seeking high general e-commerce rewards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹100 cashback on first fuel transaction at HPCL petrol pumps within 30 days of card setup

Up to 3.5% Savings on HPCL Fuel

Save up to 3.5% (2.5% cashback + 1% fuel surcharge waiver) on fuel purchases at all HPCL petrol pumps.

25% Off on Movie Tickets

25% discount on movie tickets on BookMyShow and INOX (up to ₹100 twice a month).

Low Spend-Based Fee Waiver

Annual renewal fee of ₹199 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹0.25
Standard Base Earning
2 ICICI Reward Points per ₹100 spent on regular retail (0.50% return; 1 RP = ₹0.25); 1 RP per ₹100 on utility & insurance
Accelerated / Partner Rate
2.5% fuel cashback + 2 ICICI Reward Points per ₹100 (0.5% return) at HPCL fuel stations (cashback capped at ₹100/month); 25% discount on BookMyShow (up to ₹100 twice a month)
Points Validity:36 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: HPCL Fuel Vouchers & Redemption at petrol pumps (1 RP = ₹0.25), ICICI Rewards Portal (Brand Vouchers & Electronics)
🚫 No Reward Points / Cashback on:
Non-HPCL Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹5,000 in the preceding calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹199 is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions up to ₹4,000 at HPCL petrol pumps (Capped at ₹100/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 65 Years
Min. Monthly Income₹25,000
Min. Credit Score750 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% to 3.85% per month (42.0% to 46.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the ICICI Bank HPCL Coral Credit Card

Annual Fee: ₹199/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, ICICI Bank HPCL Coral Credit Card has a joining fee of ₹199 and an annual renewal fee of ₹199 (plus applicable taxes).