HPCL Coral ICICI Bank Credit Card
ICICI Bank · Points/miles card · ₹199 annual fee
Fees & benefits
| Annual fee | ₹199 + GST — waived at ₹50,000/yr spend |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | rent, wallet, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 2.5% cashback on HPCL fuel | 2.5% | ₹100 | fuel |
| 2 reward points per Rs.100 retail | 0.5% | Uncapped | all eligible spend |
| 1 reward point per Rs.100 on utility/insurance | 0.25% | Uncapped | utility, insurance |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Fuel benefit is 2.5% cashback (capped Rs.100/month) plus a 1% surcharge waiver; headline 'up to 3.5%' combines both.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the HPCL Coral ICICI Bank Credit Card lifetime free?
No, the annual fee is ₹199 (plus GST), waived on spending ₹50,000 a year.
What is the highest reward rate on the HPCL Coral ICICI Bank Credit Card?
2.5% — 2.5% cashback on HPCL fuel. Effective value depends on monthly caps; see the caveats on this page.
Does the HPCL Coral ICICI Bank Credit Card give airport lounge access?
No, the HPCL Coral ICICI Bank Credit Card does not include airport lounge access.
Where the HPCL Coral ICICI Bank Credit Card fits
Ranks in our: Credit cards for fuel spend (#4).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.