Save more on every fuel fill-up and enjoy rewards on everyday spending
Up to 3.5% savings on HPCL fuel
2 reward points per ₹100 spent
Annual fee waived on ₹50,000 spends
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| Benefit | Details |
|---|---|
| HPCL Fuel Savings | Save up to 3.5% on fuel purchases at HPCL pumps - 2.5% cashback (up to ₹100/month) + 1% fuel surcharge waiver on transactions between ₹400-₹4,000 |
| Reward Points Program | Earn 2 reward points per ₹100 spent on retail purchases and 1 reward point per ₹100 on utility bills and insurance premiums |
| Movie Benefits | Get 25% discount up to ₹100 on movie tickets through BookMyShow - 2 complimentary offers per month |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ranging from ₹400 to ₹4,000 at HPCL petrol pumps |
| Low Annual Fee | Affordable annual fee of ₹199 + GST with easy waiver on spending ₹50,000 annually |
| Dining Discounts | Enjoy exclusive dining offers through ICICI Bank's Culinary Treats Programme at partner restaurants |
| Attribute | Classification |
|---|---|
| Issuer / Provider | ICICI Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Fuel / Rewards |
| Type of Card | Co-branded Credit Card (HPCL Partnership) |
| Free or Paid | ₹199 + GST Annually (waived on spends of ₹50,000) |
The ICICI Bank HPCL Coral Credit Card is the ideal choice for vehicle owners and regular commuters who frequently fuel up at HPCL pumps. With a combination of direct cashback, fuel surcharge waivers, and reward points on everyday spending, this card delivers exceptional value at an entry-level price point. It's particularly suited for those seeking a no-frills, low-maintenance credit card that focuses on practical savings rather than luxury perks.
HPCL Partnership Benefits: This co-branded credit card is designed specifically for HPCL customers, offering industry-leading fuel savings of up to 3.5% - one of the highest returns available on fuel credit cards in India. The dual benefit structure combines instant cashback with fuel surcharge waivers.
Comprehensive Rewards Programme: Unlike many fuel-focused cards that restrict rewards to just fuel purchases, the HPCL Coral Credit Card offers rewards across multiple categories. Earn 2 reward points per ₹100 on retail purchases and 1 reward point per ₹100 on utility bills and insurance payments - categories often excluded from other cards' reward programmes.
Entertainment Benefits: Cardholders enjoy 25% off on movie tickets booked through BookMyShow, up to ₹100 discount per transaction. This benefit can be availed twice per month, making it perfect for movie enthusiasts who want to save on entertainment expenses.
Entry-Level Premium: At just ₹199 + GST annual fee, this card offers premium-like benefits typically associated with higher-tier cards. The fee waiver condition of ₹50,000 annual spend is easily achievable for most regular users, making it practically free for active cardholders.
Dining Privileges: Access ICICI Bank's Culinary Treats Programme for exclusive discounts and offers at partner restaurants across India, adding another layer of lifestyle benefits to your card.
Easy Application: The application process is straightforward with minimal documentation required. Salaried individuals with a monthly income of ₹20,000 or self-employed individuals with an annual income of ₹2.4 lakh are eligible to apply.
Fuel Surcharge Waiver: Beyond the cashback, enjoy an additional 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL petrol pumps, ensuring maximum savings on every fill-up.
Flexible Credit: Enjoy an interest-free credit period of up to 50 days from the date of purchase to the payment due date, subject to full payment of the total amount due.
The HPCL Coral Credit Card strikes the perfect balance between value and affordability, making it an excellent first credit card or a smart addition to any cardholder's wallet for fuel and everyday spending.
2 Reward Points on Retail Spends
Earn 2 reward points for every ₹100 spent on retail purchases including shopping, dining, groceries, and departmental stores.
Maximum rewards capped based on monthly spending limits.
Fuel purchases at non-HPCL pumps also earn 2 reward points per ₹100.
1 Reward Point on Utility & Insurance Spends
Get 1 reward point for every ₹100 spent on utility bill payments including electricity, water, gas, and telecom bills.
Insurance premium payments also earn 1 reward point per ₹100.
Rewards on utility and insurance spends capped at ₹40,000 per month.
HPCL Fuel Cashback (2.5%)
Earn 2.5% cashback as reward points on fuel purchases at HPCL petrol pumps.
Minimum transaction value: ₹500 required to earn cashback.
Maximum cashback: Capped at ₹100 per calendar month.
Cashback credited as reward points to your account.
Fuel Surcharge Waiver (1%)
Get 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Applicable only at HPCL petrol pumps using ICICI Bank POS machines.
Combined with 2.5% cashback, total savings reach up to 3.5%.
Monthly Reward Caps
Fuel spends: Maximum ₹50,000 per month eligible for rewards.
Utility and insurance: Maximum ₹40,000 per month eligible for rewards.
Grocery spends: Maximum ₹20,000 per month eligible for rewards.
Note: The above benefits apply to regular credit card transactions. Reward points are posted to your account within 2-3 billing cycles.
The reward points earned on your card can be redeemed in multiple ways:
Statement Credit Redemption
Redeem reward points against your credit card statement balance.
Redemption value: 1 reward point = ₹0.25 to ₹0.50 depending on redemption category.
Can be done via ICICI Bank Internet Banking or Mobile Banking app.
Minimum redemption threshold may apply.
Travel Bookings
Redeem reward points for flight tickets, hotel bookings, and holiday packages.
Book through ICICI Bank's travel partners for best redemption value.
Combine points with cash payment for partial redemption.
Access exclusive travel deals and offers through the rewards portal.
Shopping Vouchers
Redeem points for gift vouchers from popular brands including Amazon, Flipkart, Big Bazaar, and more.
Wide range of categories: fashion, electronics, lifestyle, dining, and entertainment.
Instant voucher delivery via email or SMS.
Special bonus redemption offers available periodically.
Merchandise Catalogue
Browse and redeem points for products from ICICI Bank's rewards catalogue.
Categories include electronics, home appliances, accessories, and gadgets.
Free home delivery on redeemed merchandise.
Exclusive deals and discounts for cardholders.
Reward Points Validity
Reward points are valid for 2-3 years from the date of earning.
Expiry notifications sent via SMS and email before points expire.
Points earned in January 2023 will typically expire in January 2025/2026.
Movie Ticket Discount: Get 25% off up to ₹100 on your first movie ticket booking through BookMyShow within 30 days of card activation.
Note: This benefit is subject to availability and terms may change. Check with ICICI Bank for current welcome offers.
BookMyShow Offers: Avail 25% discount up to ₹100 on movie ticket bookings through BookMyShow.
Benefit available twice per calendar month.
Minimum ticket value: ₹200 to avail the discount.
Applicable on booking minimum 2 movie tickets per transaction.
Valid at participating cinemas across India.
Up to 50 Days: Enjoy up to 50 days of interest-free credit period from the transaction date to the payment due date.
Applicable when you pay the total amount due in full by the payment due date.
Interest charges apply on unpaid balances and cash advances.
Revolving Credit Facility: Flexibility to pay minimum amount due and carry forward the balance to next month.
Interest rate: 3.75% per month (45% per annum) on outstanding balance.
Minimum amount due: 5% of total outstanding or ₹100, whichever is higher.
Culinary Treats Programme: Access exclusive dining offers and discounts at partner restaurants.
Offers vary by restaurant and location - check the ICICI Bank website for current participating merchants.
Advance reservation may be required at select restaurants.
Reward points are not available on the following transactions:
Cash advances at ATMs
Fuel purchases (beyond the specified cashback limit)
EMI transactions
Card annual fees and other charges
Rent payments through third-party apps
Wallet loads and prepaid card reloads
Education fee payments through third-party platforms
Government-related payments and taxes
Transactions marked as cash equivalent
Important Note: From recent updates, cardholders no longer earn reward points on rent payments, e-wallet loads, government, and education spends. These transactions also don't count toward milestone benefits or annual fee waivers. Additionally, a 1% fee applies to education payments via third-party apps, utility spends above ₹50,000/month, and fuel spends above ₹10,000/month.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice. Please verify all information with ICICI Bank before applying.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹199 + GST (~₹235) | One-time charge when the card is issued |
| Annual Fee | ₹199 + GST (~₹235) | Charged every year. Waived if annual spends are ₹50,000 or more from 2nd year onwards |
| Interest Rate (APR) | 3.75% per month (45% annually) | Applicable on outstanding balances if full payment is not made |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions |
| Cash Advance Fee | 2.5% of amount or ₹500 (whichever is higher) | Applicable on cash withdrawals from ATMs or over-the-counter |
| Cash Advance Limit | Up to 40% of credit limit | Maximum cash withdrawal permitted |
| Late Payment Charges | ₹100 to ₹1,300 | Based on total outstanding amount: Up to ₹100: Nil; ₹101-₹500: ₹100; ₹501-₹1,000: ₹500; ₹1,001-₹5,000: ₹600; ₹5,001-₹10,000: ₹750; ₹10,001-₹25,000: ₹900; ₹25,001-₹50,000: ₹1,100; Above ₹50,000: ₹1,300 |
| Overlimit Penalty | 2.5% of overlimit amount or ₹600 (whichever is higher) | Charged when spending exceeds credit limit |
| Returned Payment Charges | 2% of payment amount or ₹450 (whichever is higher) | Charged when payment is returned/dishonored |
| Cash Payment Fee | ₹100 | Charged for payments made at ICICI Bank branches or through cash deposit |
| Duplicate Statement Charges | ₹100 per statement | Charged for requesting duplicate physical statements |
| Card Replacement Fee | ₹100 | Applicable for lost, stolen, or damaged card replacement |
| Reward Redemption Fee | ₹99 per redemption | May apply for certain redemption methods |
| Add-on Card Fee | Free | No charge for add-on cards for family members |
| Balance Enquiry Fee | Free at ICICI Bank ATMs | May apply at other bank ATMs |
| GST | 18% | Applicable on most fees and charges |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Nationality | Must be a Resident Indian citizen |
Employment | Salaried individuals or Self-employed professionals/businesspersons |
Income - Salaried | Minimum monthly income of ₹20,000 |
Income - Self-employed | Minimum annual income of ₹2,40,000 (₹2.4 lakh) |
Credit Score | Good CIBIL score (ideally 700-750 and above) recommended for approval |
Existing Credit History | Having a positive credit history with other banks/lenders improves approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card (mandatory), Passport, Driving License, Voter ID Card |
| Address Proof | Any one of the following: Aadhaar Card, Passport, Driving License, Voter ID Card, Utility bill (not older than 2 months), Bank account statement |
| Income Proof | For salaried individuals: Latest 3 months' salary slips, Form 16 or Income Tax Return for the last year, Bank statement showing salary credits for the last 6 months. For self-employed individuals: Income Tax Returns for the last 2 years, Audited financial statements or business ownership proof, Bank statement for the last 6 months |
| PAN Card | Mandatory for all credit card applications as per RBI guidelines |
| Photograph | Recent passport-size photograph (may be required) |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Approval & Card Delivery: Once your application is approved after verification, your ICICI Bank HPCL Coral Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise HPCL Fuel Savings | Always use your card at HPCL petrol pumps to enjoy the full 3.5% savings benefit - 2.5% cashback plus 1% fuel surcharge waiver. |
Track Monthly Fuel Cap | Monitor your fuel spending as cashback is capped at ₹100 per month (approximately ₹4,000 fuel spend). Plan accordingly to maximise benefits. |
Use for Utility Payments | Earn 1 reward point per ₹100 on utility bills and insurance premiums - a benefit many other cards don't offer. Keep track of the ₹40,000 monthly cap. |
Movie Benefits | Book at least 2 movie tickets through BookMyShow twice a month to save up to ₹200 monthly with the 25% discount offer. |
Retail Shopping | Earn 2 reward points per ₹100 on all retail purchases. Use for groceries, shopping, and dining to accumulate rewards faster. |
Maintain ₹50,000 Annual Spend | Ensure you spend at least ₹50,000 annually to get the next year's annual fee waived - that's about ₹4,200 per month. |
Pay in Full | Always pay your total amount due by the due date to avoid 45% annual interest charges and enjoy the full interest-free period of up to 50 days. |
Set Payment Reminders | Configure SMS/email alerts and set reminders to never miss payment due dates and avoid late payment charges of up to ₹1,300. |
Monitor Reward Points | Regularly check your reward points balance through Mobile Banking or Internet Banking and redeem before they expire. |
Avoid Cash Advances | Cash withdrawals attract immediate interest of 45% p.a. plus ₹500 or 2.5% fee - use only in emergencies. |
Use Culinary Treats | Check ICICI Bank's website for participating restaurants and enjoy dining discounts through the Culinary Treats Programme. |
Keep Card Secure | Memorise your PIN, never share OTP or card details, and immediately report if your card is lost or stolen by calling customer care. |
Check Exclusions | Remember that rent payments, wallet loads, and education fees via third-party apps now attract fees and don't earn rewards. |
Minimum Transaction for Fuel Cashback | Ensure fuel transactions are ₹500 or above at HPCL pumps to be eligible for the 2.5% cashback benefit. |
Enable Transaction Alerts | Activate SMS and email alerts for all transactions to monitor spending and detect any unauthorised usage immediately. |
The ICICI Bank HPCL Coral Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.