ICICI Bank HPCL Coral Credit Card benefits
- Fuel2.5%
cashback on HPCL fuel
up to ₹100 a month, on fills of ₹500 or more
- Fees1%
surcharge waiver at HPCL on ₹400 to ₹4,000, on ICICI Bank machines
- Rewards2
points per ₹100 on shopping, 1 point on groceries and bills
- Fees₹199
fee plus GST, reversed on ₹50,000 of yearly spends
- Benefit25%
off up to ₹100 on BookMyShow movie tickets after ₹25,000 of quarterly spends
ICICI Bank HPCL Coral Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| HPCL pumps2.5% cashback on HPCL fuel, up to ₹100 a month, on fills of ₹500 or more. Any bank's swipe machine at an HPCL pump counts. Shown as 10 points per ₹100 at ₹0.25 a point, so the ₹100 limit equals 400 points. | 10 points per ₹100 | 400 |
| GroceriesA lower rate: 1 point per ₹100 on groceries and department stores. | 1 points per ₹100 | None |
| Bills and utilitiesA lower rate: 1 point per ₹100 on utility, telecom, government and tax payments. | 1 points per ₹100 | None |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel (it gets cashback instead), cash advances, EMI transactions, balance transfers, loans on the card, and card fees and charges.
All reward rules
- 2 ICICI Bank Reward Points per ₹100 on other retail spends, in India or abroad, which is about 0.5%.
- Point value: ICICI Bank's own terms for its HPCL Super Saver card treat 20 ICICI Bank Reward Points per ₹100 as a 5% benefit, so 1 point = ₹0.25. HPCL Coral earns the same points.
- The 2.5% cashback reaches its ₹100 limit at ₹4,000 of HPCL fuel in a month.
- ICICI Bank's MITC lets the American Express variant earn points on fuel, which other variants do not. It also limits points on utility, insurance, and grocery and department store spends each cycle.
- From 15 November 2026, ICICI Bank charges a 1% fee on any single fuel transaction above ₹10,000.
- Points are valid for 3 years. Each redemption has a ₹99 fee plus GST.
- ICICI Bank's pages confirm only an American Express variant by name. Check the network when you apply.
What the ICICI Bank HPCL Coral Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using HPCL pumps where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 0.25% | ₹180 |
| Dining and food delivery | ₹3,000 | 0.5% | ₹180 |
| Online shopping | ₹8,000 | 0.5% | ₹480 |
| Travel | ₹3,000 | 0.5% | ₹180 |
| Fuel | ₹3,000 | 2.5% | ₹900 |
| Bills and utilities | ₹3,000 | 0.25% | ₹90 |
| Everything else | ₹4,000 | 0.5% | ₹240 |
| Total | ₹30,000 | ₹2,250 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹2,250* |
ICICI Bank HPCL Coral Credit Card annual fee and charges
- Joining fee
- ₹199
- Annual fee
- ₹199
- Fee waiver
- ₹50,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. From the second year, the ₹199 renewal fee is reversed if you spent ₹50,000 or more in the previous card year. EMI spends do not count. ICICI Bank's MITC says some older HPCL cards keep a ₹500 fee agreed at issue.
Fuel surcharge: 1% waiver at HPCL pumps on fills of ₹400 to ₹4,000, only when you pay on an ICICI Bank swipe machine. It comes on top of the 2.5% cashback.
ICICI Bank HPCL Coral Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹2,40,000 a year
- Self-employed income
- ₹2,40,000 a year
Indian citizens aged 21 to 65. Salaried: monthly income of ₹20,000. Self-employed: yearly income of ₹2.4 lakh.
The bank alone decides approval and your credit limit.
ICICI Bank HPCL Coral Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
ICICI Bank lists no airport lounge benefit on this card.
Is the ICICI Bank HPCL Coral Credit Card right for you?
A card with a ₹199 fee that spending can waive, paying 2.5% at HPCL pumps and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹4,000 a month or more. Below that, the ₹199 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at HPCL pumps: the card pays 2.5% back there, against 0.5% on most other spends.
- You spend ₹50,000 a year or more (about ₹4,200 a month), so the ₹199 renewal fee is waived.
- It is your first credit card: the terms are simple and the fee is low or nil.
Not for you if
- You spend less than about ₹4,200 a month: you would pay ₹235 a year with GST.
- You spend more than ₹4,000 a month at HPCL pumps: the higher rate stops there.
- You rarely use HPCL pumps: outside them the card pays 0.5%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to ICICI Bank HPCL Coral Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| ICICI Bank HPCL Coral Credit Card | ₹199 | 2.5% | ₹1,350* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
| PhonePe SBI Card PURPLE | ₹499 | 3% | ₹3,840* |
If most of your spending looks like the example above, the IDFC FIRST Hello Cashback Credit Card may suit you better: it would leave you ₹5,160 a year, against ₹2,250 with the ICICI Bank HPCL Coral Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is ICICI HPCL Coral better than HPCL Super Saver?
Only if you spend little. HPCL Coral costs ₹199 a year and gives 2.5% on HPCL fuel up to ₹100 a month. HPCL Super Saver costs ₹500 but gives 4% up to ₹200 a month, 5% back on groceries and bills, roadside assistance and a lounge visit.
How much can I save on fuel with the ICICI HPCL Coral card?
Up to 3.5% at HPCL pumps: 2.5% cashback plus a 1% surcharge waiver. The cashback stops at ₹100 a month, which you reach at ₹4,000 of fuel. Each fill must be ₹500 or more for cashback.
Why did I not get the fuel surcharge waiver on my HPCL Coral card?
The waiver needs three things: an HPCL pump, a fill between ₹400 and ₹4,000, and an ICICI Bank swipe machine. Fills on another bank's machine still get the cashback but not the waiver.
What is the annual fee of the ICICI HPCL Coral Credit Card?
₹199 plus GST for joining and ₹199 plus GST each year after. The renewal fee is reversed if you spend ₹50,000 or more in a card year, leaving out EMI spends.