ICICI Bank HPCL Coral Credit Card
Smart savings on fuel and more
Annual Fee
₹199
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The ICICI Bank HPCL Coral Credit Card is a solid entry-level fuel card for those loyal to HPCL. While the fuel savings are decent for a low-fee card, the recent increase in lounge spend criteria makes the travel benefits harder to reach for casual users.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹2,801
Year 2+
+₹2,801
Fee waiver eligible!
Why get this card
Effective 3.5% savings on fuel at HPCL pumps (2.5% cashback + 1% surcharge waiver)
Complimentary domestic airport and railway lounge access (1 per quarter each)
25% discount on movie tickets via BookMyShow and INOX twice a month
Watch out for
Fuel cashback is capped at a low limit of ₹100 per month
High spend requirement of ₹75,000 per quarter to unlock airport lounge access
Low reward rate of 0.5% (2 RP per ₹100) on non-fuel retail spends
Who is this card for?
Best for
fuel spender
Individuals who primarily refuel at HPCL stations and want to save on surcharges and earn cashback.
Min: ₹5,000/mo
movie goer
Occasional movie-goers who can benefit from the ₹100 discount on BookMyShow/INOX.
Min: ₹2,000/mo
Skip if you're
high retail spender
Users looking for high reward rates on general shopping or online spends, as the base rate is low.
international traveler
The card lacks international lounge access and has a standard 3.5% forex markup.
Base Earning
2 ICICI Bank Reward Points
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
FUEL
1×
2.5% return
400 pts/month
iShop - SHOPPING
6×
3% return
Milestones
Spend ₹0.5L
Annual fee waiver for the subsequent year on spending ₹50,000.
Spend ₹1.0L
Earn 1,000 bonus reward points for every additional ₹1 Lakh spent (max 10,000 points/year).
Spend ₹2.0L
Earn 2,000 bonus reward points on reaching ₹2 Lakh annual spend.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank