ICICI Bank HPCL Coral Credit Card - Complete Details & Fuel Benefits 2024
About HPCL Coral Credit Card
The ICICI Bank HPCL Coral Credit Card is an entry-level fuel credit card offering 4% fuel surcharge waiver and accelerated reward points at HPCL petrol pumps. Designed for budget-conscious vehicle owners, it provides 2X rewards on fuel spends, 1% cashback on groceries, and lowest annual fee in its category. Cardholders enjoy ₹150 HPCL gift voucher on activation and complimentary fuel-related insurance. With first-year fee waiver and easy eligibility criteria, this co-branded card helps save ₹400-800 monthly on fuel expenses. Perfect for two-wheeler owners and occasional drivers seeking basic fuel benefits with minimal charges.
Key Specifications
| Issuer | ICICI Bank & HPCL |
|---|---|
| Joining Fee | ₹199 + GST |
| Renewal Fee | ₹199 + GST* |
| Category | Entry-level Fuel |
| Rewards | 2X Fuel Points |
| Airport Lounge | Not Available |
| Railway Lounge | Not Available |
Special Features
- Credit Limit: Up to ₹2 lakh
- Interest Rate: 3.75% per month
- Contactless Payments: Enabled
Key Benefits
- 4% Fuel Surcharge Waiver (Min ₹250 transaction)
- 2 Reward Points/₹100 at HPCL outlets
- 1 Reward Point/₹100 on other spends
- ₹150 HPCL Gift Voucher on activation
- Annual Fee Waiver on ₹50,000 spends
Rewards Program
- 200 Bonus Points on first transaction
- Redeem points for HPCL fuel vouchers
- 100 points = ₹25 redemption value
- Extra 1% cashback on Big Basket
Fee Structure
| Joining Fee | ₹199 + GST |
|---|---|
| Annual Fee | ₹199 + GST* |
| ATM Withdrawal | 3.75% per month |
| Late Payment | ₹100 - ₹1,300 |
*Waived on ₹50,000 annual spends
Eligibility Criteria
- Age: 21-60 years
- Income: ₹2.4 LPA+
- Credit Score: 600+
- Salaried/Self-Employed
Required Documents
- PAN Card (Mandatory)
- Aadhaar/Passport (Address Proof)
- 3 Months Bank Statement
- Passport-size Photograph
Application Process
- Visit ICICI Bank credit card section
- Select 'HPCL Coral Card'
- Complete online application
- Upload self-attested documents
- Get virtual card in 2 hours
Maximize Benefits
- Use exclusively at HPCL pumps
- Pay utility bills via card
- Maintain monthly spends >₹4,000
- Combine with HPCL SmartFill
Competitor Cards
- Axis Bank IndianOil Card
- SBI BPCL Octane
- HDFC Bharat Cashback
- Kotak Debit+ Credit Card
Expert Review
Pros: Lowest fees, Good fuel savings, Easy eligibility
Cons: Basic rewards, No lounge access
Verdict: Best for occasional HPCL users. 3.9/5 rating
Important Notice
⚠️ This information is for general guidance only. Terms and conditions may apply. Verify details with ICICI Bank's official sources before application. CreditCardPath.in is not associated with any financial institutions.
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