ICICI Bank
Classic · HPCL Coral
ICICI Bank HPCL Coral Credit Card
ICICI Bank
Earn reward points on every spend with exclusive HPCL fuel discounts
Annual Fee
₹199
Joining Fee
₹199
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,765
Total Annual Benefits
₹3,000
Total Annual Charges
₹235
ROI
1177%
Fee Waiver Available
Annual fee waived on spending ₹30,000 in the preceding year — ₹30,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Fuel Benefits (2)
2.5% HPCL Fuel Discount
Get a 2.5% discount on fuel purchases at HPCL petrol pumps
- • Valid only at HPCL outlets
- • Discount applied at time of transaction
2.5% discount
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Points (1)
Reward Points on All Spends
Earn 2 reward points per ₹100 on all transactions
- • Excludes cash advances, EMI conversion
2 RP per ₹100
Reward Program
Program
ICICI Reward Points
2 RP per ₹100 on all spends, 2.5% discount at HPCL
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Statement credit
Bonus Categories
HPCL Fuel
2.5x multiplier
2.5% discount on HPCL fuel
All Other Spends
2x multiplier
2 RP per ₹100 on all transactions
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹199 Plus GST |
| Annual Fee | ₹199 Plus GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹2,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹2 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
- • Designed for regular HPCL fuel buyers
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
- • No complimentary lounge access on this card
Transaction Limits
ATM Withdrawal / Day
₹15,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Co-branded with HPCL Add-on cards available EMI conversion facility Affordable annual fee HPCL fuel discount
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank HPCL Coral Credit Card is a Visa Classic co-branded fuel card offering 2 reward points per ₹100 on all transactions and a 2.5% discount...
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