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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Titanium 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 Titanium Credit Card

6/10
Annual Fee₹199
Base Rewards0.5%
NetworkMastercard
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ICICI Bank

ICICI Bank HPCL Coral Credit Card

6.5/10
Annual Fee₹199
Base Rewards0.5%
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Titanium 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 Reward PointsICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating6/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Titanium Credit Card

No accelerated rewards listed

ICICI Bank HPCL Coral Credit Card

  • 0% on Fuel — 100 pts/month

Pros & Cons

ICICI Bank HPCL Titanium Credit Card

Pros

  • 2.5% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Earn 2 ICICI Bank Reward Points for every ₹100 spent on non-fuel retail purchases
  • ₹100 discount on movie tickets twice a month via BookMyShow
  • Minimum 15% savings on dining bills at over 2,500 restaurants via Culinary Treats Program

Cons

  • No complimentary airport lounge access
  • Reward rate is relatively low (0.5%) compared to modern fuel cards
  • Fuel surcharge waiver is restricted to HPCL pumps and specific ICICI terminals

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 Titanium Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank HPCL Titanium Credit Card if

Ideal for those who primarily use HPCL for fuel and want a low-cost card with basic lifestyle perks.

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 Titanium 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 Titanium 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 Titanium Credit Card and ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Titanium Credit Card has an annual fee of ₹199, while ICICI Bank HPCL Coral Credit Card has an annual fee of ₹199. ICICI Bank HPCL Titanium 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 Titanium Credit Card or ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Titanium Credit Card offers a base reward rate of 0.5%. 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 Titanium 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 Titanium 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 Titanium Credit Card or ICICI Bank HPCL Coral Credit Card?
For beginners, ICICI Bank HPCL Titanium 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.

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