ICICI Bank HPCL Coral Credit Card
ICICI Bank · Open to apply
A low-fee fuel card with HPCL: 2.5% cashback on HPCL fuel (up to ₹100 a month) plus the 1% surcharge waiver, and 2 reward points per ₹100 elsewhere. ₹199 a year, waived at ₹50,000 of spend.
- Annual fee
- ₹199 + GST a year
- Joining fee
- ₹199 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- Other retail spends, 2 points per ₹100: 2 ICICI Bank Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2.5% cashback on fuel at HPCL outlets: 2.5% in Fuel cashback (about 2.5% at cash value)
Earns nothing on
- No points on cash, rent, fuel, e-wallet loads or EMI
Terms the calculator does not value
- ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25.
- The MITC limits the fuel surcharge waiver on select cards to spends of ₹50,000 a statement cycle; the card's T&C states no such limit and it is not modelled.
- The American Express variant earns points on fuel (MITC), at a rate no document gives for this card; fuel is entered as earning nothing.
Sources
- ICICI Bank HPCL Coral Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions for ICICI Bank HPCL Coral Credit Card (last updated 2025-11-26) (Reward terms, the bank's own, read 6 Nov 2026)
- How to redeem ICICI credit card reward points (CardInsider; third party, gives ₹0.25 a point) (Third-party site, read 20 Oct 2026)