HPCL ICICI Coral Credit Card
Fees
₹199 + Taxes
Joining & AnnualReward 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 Access
No Lounge Access
FindMyCard Expert Take
The HPCL ICICI Coral Credit Card from ICICI Bank offers HPCL Fuel Pumps & Daily Commuters with an annual fee of ₹199 + Taxes.
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
Editorial Verdict
The HPCL ICICI Coral Credit Card is ideally suited for hpcl fuel pumps & daily commuters. If you want 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, this card delivers real value. The ₹199 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on fuel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹50,000 annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹199 + Taxes
💡 Annual fee waived on ₹50,000 annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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... | — | 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 |