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ICICI Bank HPCL Coral Credit Card Vs. ICICI HPCL Super Saver RuPay Credit Card

ICICI Bank HPCL Coral Credit Card

ICICI Bank HPCL Coral Credit Card

ICICI HPCL Super Saver RuPay Credit Card

ICICI HPCL Super Saver RuPay Credit Card

Comparison of ICICI Bank HPCL Coral Credit Card and ICICI HPCL Super Saver RuPay Credit Card

Feature
ICICI Bank HPCL Coral Credit Card
ICICI HPCL Super Saver RuPay Credit Card
Annual Fee
₹199 + GST (~₹235)
₹500 + GST
Joining Fee
₹199 + GST (~₹235)
₹500 + GST
Welcome Benefits
Get 25% off up to ₹100 on your first movie ticket booking through BookMyShow within 30 days of card activation.
N/A
Interest Rate (APR)
3.75% per month (45% annually)
N/A
Foreign Currency Markup
3.5% + GST (~4.13%)
N/A
Key Highlights
  • •HPCL Fuel Savings
  • •Reward Points Program
  • •Movie Benefits
  • •Fuel Surcharge Waiver
  • •Low Annual Fee
  • •Dining Discounts
  • •Fuel Savings
  • •Everyday Cashback
  • •Welcome Benefits
  • •Lounge Access
  • •Roadside Assistance
Dos
  • Use the card only at HPCL fuel pumps to get the maximum 3.5% benefit (2.5% cashback + 1% surcharge waiver).
  • Pay your credit card bill in full every month before the due date to avoid 45% annual interest and protect your credit score.
  • Track the ₹100 monthly fuel cashback cap and plan fuel spends up to ~₹4,000 to maximise benefits.
  • Use the card for utility bill payments to earn 1 reward point per ₹100, staying within the ₹40,000 monthly cap.
  • Book movie tickets via BookMyShow twice a month to save up to ₹200 monthly (2 × ₹100 discount).
  • Use the card exclusively at HPCL outlets to earn the 5% fuel savings benefit
  • Link the card to the HP Pay app and load wallet balance for enhanced 1.5% reward points
  • Pay utility bills through the card to earn 5% cashback, up to the ₹100 monthly limit
  • Book movie tickets through BookMyShow and INOX twice monthly to maximise entertainment discounts
  • Spend strategically to reach ₹1,50,000 annually and get the annual fee waived
Don'ts
  • Don't fuel at non-HPCL pumps expecting full benefits—you'll earn only base rewards without surcharge waiver.
  • Avoid paying only the minimum amount due as the remaining balance attracts high interest and leads to debt accumulation.
  • Avoid spending beyond ₹10,000 monthly on fuel, as a 1% fee applies, reducing overall savings.
  • Avoid wallet loads and prepaid reloads—these don't earn rewards and may be treated as cash-equivalent transactions.
  • Don't use the card for rent payments via third-party apps—no rewards are earned and a 1% fee applies.
  • Avoid using the card at non-HPCL fuel stations as cashback won't apply
  • Do not exceed monthly fuel spending of ₹5,000 at HPCL, as the ₹200 cashback cap limits further rewards
  • Ignore monthly spending caps on utilities and departmental stores (₹100 limit)
  • Rely on this card for international travel due to limited RuPay acceptance abroad
  • Make cash withdrawals as they attract 2.50% fees and immediate interest charges

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ICICI Bank HPCL Coral Credit Card Vs. ICICI HPCL Super Saver RuPay Credit Card – Compare Benefits, Cashback & Fees (2026)