ICICI Bank HPCL Coral Credit Card
An entry HPCL fuel card (₹199 a year, waived above ₹50,000 of spend): 2.5% cashback at HPCL pumps up to ₹100 a month plus a 1% surcharge waiver, and 2 reward points per ₹100 on other retail spends (1 on utilities and groceries). Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹199 plus GST Product page |
|---|---|
| Annual fee | ₹199 plus GST Product page |
| Annual fee waiver | On ₹50,000 of spend in the year Terms |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities, government and tax payments, groceries and department stores | 1 point per ₹100 Terms | no cap on record |
| Other retail spends, domestic and international | 2 points per ₹100 Terms | no cap on record |
The 2.5% fuel cashback at HPCL pumps (minimum ₹500 a transaction, up to ₹100 a month) is cash, not points, so it is listed as a highlight rather than a reward rule. ICICI Bank publishes no rupee value for the points; redemption carries a ₹99 + GST handling fee.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at HPCL pumps on fills of ₹400 to ₹4,000 swiped on an ICICI Bank machine (no cap stated) Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- 2.5% cashback on fuel at HPCL pumps, up to ₹100 a month (transactions of ₹500 or more) Terms
- 25% off up to ₹100 on BookMyShow movie tickets twice a month after ₹25,000 of spend in the previous quarter Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹20,000 Product page
- Self-employed: annual income of ₹2.4 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- the card network
- a RuPay variant for UPI
- a monthly cap on the fuel surcharge waiver
The quotes behind the figures
28 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee- ₹199 + GST”
“Annual Fee- ₹199 + GST (Spend ₹50,000 and get your annual Fee waived off for the next year)”
“Primary Cardholders are eligible for an Annual Fee waiver from the 2nd Anniversary Year onwards, if the total spends on the Credit Card are equal to or more than ₹<50,000> during the previous Anniversary Year.”
“Forex Markup 3.5%”
“The Cardholder(s) shall qualify to earn 1 ICICI Bank Reward Point on every ₹<100> spent on utility (groceries, telecom, government, tax) and departmental store transactions”
“2 ICICI Bank Reward Points will be earned on every ₹<100> spent on all other retail spends [except fuel, utility (groceries, telecom, government, tax) and departmental store purchase]:”
“Earn Points on every ₹100 spend 2 On Retail Spend 1 On Utility Spend”
“a. The Cardholder(s) are entitled to <2.5>% cashback on fuel purchases, where such cashback shall be capped at ₹<100> per month”
“Fuel transactions carried out using the Credit Card”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Automobile Associated Benefits HPCL Coral Credit Card Apply Now”
“Is there a joining fee for the HPCL Coral Credit Card? Yes. Joining fee of ₹199 + GST.”
“b. Minimum amount threshold required to qualify for this cashback benefit is ₹ <500>”
“However, the benefit is applicable on spends at HPCL fuel pumps only”
“2.5% cashback when the card is swiped at any HPCL fuel pump (Capped at ₹100 per month).”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“Transactions carried out using your Credit Card at HPCL outlets using any ICICI Bank POS Machine shall qualify for surcharge waiver”
“Starting Apr 1, 2026, to be eligible for availing complimentary tickets offer on movie/ events tickets with BookMyShow, you must spend ₹25,000 or more on your ICICI Bank HPCL Coral Credit Card within the preceding spends quarter.”
“If only minimum due is paid Pay interest of 3.75% per month”
“For late bill payment Ranging from ₹100 to ₹1300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps”
“25% off up to ₹100 Get 2 monthly discounts on movie tickets through BookMyShow”
“An Indian citizen, aged over 21 years”
“You must be between the age group of 21 to 65 years to be eligible to apply for credit card and get an ICICI Bank HPCL Coral Credit Card.”
“Self-employed individual with an annual income of ₹2,40,000”
“Salaried individual with a monthly income of ₹20,000”
“APPLY NOW HPCL Coral Credit Card: Fees & Charges”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology