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REWARD POINTS CARD

ICICI Bank HPCL Coral Credit Card

ICICI Bank

2.5% cashback on HPCL fuel spends (capped at ₹100 a month), a 1% fuel surcharge waiver at HPCL pumps, and 2 Reward Points per ₹100 on other retail spends.

Fuel spends earn no Reward Points; fuel cashback needs a ₹500 minimum; surcharge waiver applies only on ₹400–₹4,000 HPCL transactions via ICICI Bank POS; annual fee reversed only on ₹50,000 spend (excl. EMI).

ICICI Bank HPCL Coral Credit Card
ANNUAL FEE
₹199 + GST
JOINING FEE
₹199 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2.5% cashback on fuel purchases at HPCL fuel pumps.
BEST FOR
Included: Cardholders who fuel up at HPCL outlets and want a card with a ₹199 + GST annual fee.
Included: May suit those who regularly buy fuel at HPCL fuel pumps.
Included: May suit those who spend ₹50,000 or more a year, which reverses the next year's annual fee.
Included: May suit those who book on BookMyShow and spend ₹25,000 or more a quarter on the card.
Limitation: Large monthly fuel spends may wish to compare other cards.
Limitation: Those who carry a balance, given finance charges of 3.75% a month may wish to compare other cards.
Limitation: Those frequent international spenders, given the 3.5% forex mark-up may wish to compare other cards.
Limitation: Those wanting Reward Points on fuel may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Fuel transactions made in the last 2 days before statement generation get cashback in the next statement cycle.
Condition: Wallet load transactions on the HP Pay app do not qualify for the fuel surcharge waiver.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
65

Fees & ownership

Joining fee
₹199 + GST
Annual / renewal fee
₹199 + GST
Fee waived at
₹50,000 spend in the previous anniversary year (EMI spends excluded); next year's annual fee reversed
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% at HPCL pumps on ₹400–₹4,000 transactions via ICICI Bank POS; not on HP Pay app wallet loads
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No RP on fuel, cash advance, rent, e-wallet reloads, EMI, balance transfer, personal loan on card, or fees, interest and charges; Fuel (except Amex variant), cash advances, rent, e-wallet reloads, EMI, balance transfer, personal loan on card, fees, interest and charges
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 2.5% cashback on fuel purchases at HPCL fuel pumps.
Included: 1% fuel surcharge waiver at HPCL pumps on ₹400–₹4,000 transactions made on ICICI Bank POS machines.
Included: BookMyShow offer can be availed in a quarter after spending ₹25,000 or more in the preceding quarter.
Included: Add-on card spends count towards fuel cashback, and add-on Reward Points are credited to the primary cardholder.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.