Credit Cards · Honest Review
ICICI Bank HPCL Coral Credit Card
ICICI Bank · Visa
Your Verdict
- ✓2.5% cashback as reward points on HPCL fuel transactions, capped at 100/month
- ✓1% fuel surcharge waiver at HPCL outlets
- ✓Low joining and annual fee of 199, easily waived on 50,000 annual spend
- ✓25% off on movie tickets via BookMyShow, twice a month
- ✓Ideal low-cost fuel card for frequent HPCL customers
What ICICI Bank HPCL Coral Credit Card costs you
ICICI Bank HPCL Coral Credit Card carries a ₹199 annual fee and a ₹199 one-time joining fee. The annual fee is waivable: Spend 50,000 in the previous year to waive annual fee.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹199 |
| Joining fee (one-time) | ₹199 |
| Fee waiver condition | Spend 50,000 in the previous year to waive annual fee |
| Spend required for waiver | ₹50,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
ICICI Bank HPCL Coral Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on fuel and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| ⛽ Fuel | 2.5% (cap ₹100/mo) |
Reward types: Cashback · Discounts
Beyond the reward rate
The non-reward benefits on ICICI Bank HPCL Coral Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5-7 working days |
Minimum monthly income of 20,000; good credit score preferred.
Who should (and shouldn't) get ICICI Bank HPCL Coral Credit Card
- → Heavy spenders on fuel who want 2.5% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
ICICI Bank HPCL Coral Credit Card — Questions answered
What is the annual fee for ICICI Bank HPCL Coral Credit Card?
What is the minimum income required for ICICI Bank HPCL Coral Credit Card?
What is the reward rate on ICICI Bank HPCL Coral Credit Card for fuel?
Does ICICI Bank HPCL Coral Credit Card provide airport lounge access?
How do I get the annual fee waived on ICICI Bank HPCL Coral Credit Card?
How long does it take to get ICICI Bank HPCL Coral Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.