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ICICI Bank HPCL Coral Credit Card
A budget-friendly fuel co-brand card offering strong combined HPCL fuel savings — up to 3.5% via a 2.5% cashback plus 1% surcharge waiver — with a low ₹199 fee that waives on just ₹50,000 annual spend. It's a distinct, lower-fee sibling to ICICI's HPCL Super Saver card, best suited to light-to-moderate fuel spenders who don't need lounge or travel benefits.
Annual fee
₹199
Joining fee
₹199
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 25% off, up to ₹100, on BookMyShow movie tickets (min ₹25,000 quarterly spend)
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
2.5% reward rate (capped ₹100/monthly) · Up to 3.5% total savings on HPCL fuel transactions (2.5% cashback capped at ₹100/month, plus 1% surcharge waiver)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: Up to 3.5% total HPCL fuel savings (2.5% cashback capped at ₹100/month, plus 1% surcharge waiver)
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Up to 3.5% total savings on HPCL fuel transactions (2.5% cashback capped at ₹100/month, plus 1% surcharge waiver)
- 25% off, up to ₹100, on BookMyShow movie tickets (min ₹25,000 quarterly spend)
Pros
- + Low annual fee with an easy ₹50,000 waiver spend
- + Strong combined fuel savings at HPCL pumps (up to 3.5%)
- + Available in Visa, Mastercard and Amex variants for wider network choice
- + 2 points per ₹100 base reward rate on general spend, decent for the fee tier
Cons
- − Fuel cashback is capped at just ₹100/month
- − Standard 3.5% forex markup, unsuited for international spend
- − Limited lounge or travel benefits versus HPCL Super Saver
Best for
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