Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum Credit Card vs ICICI Bank HPCL Coral Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank HPCL Coral Credit Card

6.5/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank HPCL Platinum Credit CardICICI Bank HPCL Coral Credit Card
Annual Fee₹199₹199
Joining Fee₹199₹199
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.5%0.5%
Reward CurrencyICICI Bank RewardsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

ICICI Bank HPCL Coral Credit Card

  • 0% on Fuel — 100 pts/month

Pros & Cons

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

ICICI Bank HPCL Coral Credit Card

Pros

  • 2.5% cashback on fuel at HPCL outlets, capped at ₹100 per month.
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL.
  • 25% discount on movie tickets via BookMyShow and INOX twice a month.
  • Low annual fee of ₹199 with a reachable waiver threshold of ₹50,000.

Cons

  • Fuel cashback is capped at a very low ₹100 per month.
  • Lounge access requires a high quarterly spend of ₹75,000.
  • No reward points on fuel, rent, and wallet load transactions.

Our Verdict

ICICI Bank HPCL Coral Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Choose ICICI Bank HPCL Coral Credit Card if

Strong fit for those who primarily refuel at HPCL stations and want basic cashback.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Coral Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank HPCL Platinum Credit Card and ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while ICICI Bank HPCL Coral Credit Card has an annual fee of ₹199. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank HPCL Coral Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. ICICI Bank HPCL Coral Credit Card offers 0.5% base rewards with bonuses on Fuel. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Platinum Credit Card and ICICI Bank HPCL Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and ICICI Bank HPCL Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or ICICI Bank HPCL Coral Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

ICICI Bank HPCL Platinum Credit Card Full ReviewICICI Bank HPCL Coral Credit Card Full ReviewAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips