CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

HPCL Coral Credit Card

29
Ranked #97 of 170 in credit
creditVisa/Mastercard (RuPay available on request)Entry-level fuel co-brand

Entry-level ICICI x HPCL fuel co-brand offering ~3.5% total value-back at HPCL pumps (capped Rs 100/month) plus movie and dining discounts, at one of the lowest fees (Rs 199) in the fuel-card segment.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value13/100 · weight 71%
≈ 0.62% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency98/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks3/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹199 + 18% GST
= ₹235 total
Annual fee
₹199 + 18% GST
= ₹235 / year total
Waiver: Waived on Rs 50,000 annual spend
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
fuelcashback2.5%₹100 / monthly2.5% cashback via reward points at HPCL pumps, capped Rs 100/month; plus separate 1% surcharge waiver
all_spendspoints0.50%(2 pts @ ₹0.25)—2 points per Rs 100 on other retail spends = 0.5% actual value

Welcome offer

Welcome gift voucher worth Rs 100 on Rs 5,000 spend within 45 days of issuance (one source cites Rs 100 fuel voucher on joining directly — minor conflict)

Milestone benefits

Pros

  • Very low Rs 199 fee, strong 3.5% total fuel value-back (2.5% cashback-as-points + 1% surcharge waiver) at HPCL, rewards typically-excluded categories broadly, 25% movie discount via BookMyShow, easily achievable Rs 50,000 fee waiver

Cons

  • Fuel cashback capped at Rs 100/month (i.e. maxes out around Rs 4,000 fuel spend/month, no benefit beyond that), HPCL-only (not universal fuel stations), benefit only registers reliably on ICICI-linked POS machines at HPCL pumps, rent and e-wallet loading transactions stopped earning points effective 5 Feb 2024, not currently listed on Paisabazaar (per one source) suggesting reduced distribution

What's inside

More benefits

  • BookMyShow movie discount

    ₹100

    25% off (up to Rs 100) on movie tickets, twice/month

    Cap ₹2,400 / monthly.

  • Culinary Treats dining discount

    Discounts at partner restaurants under ICICI Culinary Treats Programme

Insurance cover

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Eligibility

text
Age 21-60, minimum annual income Rs 2 lakh (per one source; ICICI does not always specify a fixed minimum)

Small print

Fuel surcharge:1% fuel surcharge waiver at HPCL pumps only, Rs 400-4,000 transactions