HPCL ICICI Coral Credit Card
Fees
₹199 + Taxes
Joining & annual
Reward Rate
2.5% cashback (up to ₹100) on HPCL fuel + 1% surcharge waiver; 2 points per ₹100 on retail; 1 point per ₹100 on utility & insurance
Welcome Bonus
Welcome benefits vary by current offer
Lounge
No Lounge Access
Our Expert Take
The HPCL ICICI Coral Credit Card from ICICI Bank offers HPCL Fuel Pumps & Daily Commuters with an annual fee of ₹199 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
2.5% cashback on HPCL fuel
Max ₹100 per month
Reached after about ₹4,000 of spend
Pros & Cons
Key Advantages
- Up to 3.5% total savings on HPCL fuel (cashback + surcharge waiver)
- 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
- Very low ₹199 annual fee, among the cheapest fuel cards on the market
- Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)
Limitations
- No airport lounge access, unlike ICICI HPCL Super Saver
- Fuel cashback is capped at ₹100 per statement cycle
- Base reward rate on non-fuel retail is a modest 2 points per ₹100
Key Perks & Spending Milestones
Up to 3.5% total savings on HPCL fuel (cashback plus 1% surcharge waiver), fuel cashback capped at ₹100/statement cycle
2 points per ₹100 on other retail spends
25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
No airport lounge access on this variant
Very low ₹199 annual fee, waived on ₹50,000 annual spend
Spend milestone
Annual fee waived on ₹50,000 annual retail spends
Fees & Charges
Joining fee
₹199 + Taxes
Annual fee
₹199 + Taxes
Annual fee waived on ₹50,000 annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the fuel savings on ICICI HPCL Coral?
Does ICICI HPCL Coral have lounge access?
How low is the annual fee?
Compare HPCL ICICI Coral Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HPCL ICICI Coral Credit Card This Card | ₹199 + Taxes | 2.5% cashback (up to ₹100) on HPCL fuel + 1% surcharge waiver; 2... | No Lounge Access | 4.1/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 4.3/5 |
| HDFC IndianOil Credit Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |