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▾ICICI HPCL Coral Credit Card Review
Best for: Urban commuters filling at HPCL stations with monthly fuel spend of ₹2-5K.
- Very low ₹199 + GST joining fee; ₹199 + GST annual (waived on ₹50,000 spend)
- Up to 3.5% savings on HPCL fuel transactions (per current issuer page) — not 4% as previously claimed
- 1% fuel surcharge waiver on ₹400-₹4,000 transactions at HPCL pumps (stacks with the cashback)
- 2 RP per ₹100 on retail spend; 1 RP per ₹100 on Utility & Insurance
- 25% off up to ₹100 on movie tickets via BookMyShow (2 discounts/month)
- Benefits only at HPCL
- No lounge
- Weak base earn
- Cap on monthly fuel rewards
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹199 + GST |
| Renewal fee | ₹199 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
HPCL fuel spends earn 4% (capped ₹200/month). Non-HPCL retail 1%. Welcome HPCL voucher ₹250 on fee payment. 1% fuel surcharge waiver applies on any petrol pump purchase (₹400-4,000 range).
Key benefits
- 4% on HPCL fuel (cap ₹200/month)
- Welcome HPCL ₹250 voucher
- 1% fuel surcharge waiver
- Free add-on
Who the ICICI HPCL Coral is for
HPCL loyalists with ₹2-4K monthly fuel. Below that, a generic 1.5-2% cashback card gives similar earnings.
Final verdict
Tiny fee, targeted payback. Good as a secondary fuel-dedicated card if HPCL is your regular pump.
FAQ
Does the 4% apply to HPCL CNG?
Yes — CNG sold at HPCL outlets qualifies as fuel spend.
How do I redeem the HPCL voucher?
Apply at HPCL outlet via MobilePay/ClubHP app or paper voucher.
Is this card UPI-linkable?
No — Mastercard variant, not RuPay. For UPI linking, consider the HPCL RuPay variants.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.