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Credit Cards · India

ICICI Bank HPCL Coral Credit Card

Updated 3 Jul 2026Source-linked

The ICICI Bank HPCL Coral Credit Card is a entry co-branded credit card from ICICI Bank and HPCL, with a joining fee of ₹199 + GST.

It earns up to 2.5 pts per ₹100 (≈0.5% value) on HPCL spends in the form of icici bank reward points (points).

ICICI Bank logo
ICICI Bank HPCL Coral Credit Card
Visa logo
  • Joining Fee₹199
  • Annual Fee₹199
  • Best Suited ForFuel
  • Reward TypeICICI Bank Reward Points (points)
Rewards Rate
  • 2.5 pts per ₹100 on hpcl fuel (cap 100 cashback inr / monthly)
  • 1 pts per ₹100 on utilities and departmental stores
  • Base 0.40% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logoentryCo-brand · HPCL
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Rewards and Benefits

Rewards Rate
2.5 pts per ₹100 on hpcl fuel (cap 100 cashback inr / monthly)
1 pts per ₹100 on utilities and departmental stores
Base 0.40% on other spends.
Reward Redemption
ICICI Bank Rewards: Redeemable for health & beauty, travel & luggage, shopping vouchers, home appliances, electronics, fashion & lifestyle.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Fuel savings at HPCL — Up to 3.5% savings on fuel transactions at HPCL petrol pumps (2.5% cashback plus 1% fuel surcharge waiver).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹16/mo

    You spend ₹8,000 · earns 0.2% = ₹16 uncapped

    • Valued at realized redemption value
  • Utilities & bills₹10/mo

    You spend ₹5,000 · earns 0.2% = ₹10 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹32/mo
  • Fuel₹4,000 · 0.4% = ₹16/mo

    Fuel — earns base; accelerated rate needs booking via hpcl

  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
Est.net rewards for this spend, realistic
₹2,088/yr

₹2,088 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by ICICI Bank and HPCL.
  • Joining / annual fee of ₹199 + GST, waived on annual spends of ₹50,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2.5 pts per ₹100 on hpcl fuel (cap 100 cashback inr / monthly)
    Merchants: hpcl-fuel-stations
    2.5% cashback on fuel purchases at HPCL fuel pumps (minimum ₹500 per transaction), capped at ₹100 per month.
  • 1 pts per ₹100 on utilities and departmental stores
    1 Reward Point per ₹100 on utility (groceries, telecom, government, tax) and departmental store spends.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Other benefits

  • Fuel savings at HPCL. Up to 3.5% savings on fuel transactions at HPCL petrol pumps (2.5% cashback plus 1% fuel surcharge waiver).

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
—
Credit score
—
Income (salaried)
₹2,40,000 p.a.
Income (self-employed)
₹2,40,000 p.a.

Salaried: monthly income ₹20,000. Self-employed: annual income ₹2,40,000.

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