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ICICI HPCL Coral Credit Card

Product Details
Credit Card Name : 

ICICI HPCL Coral Credit Card

Bank Name :

ICICI Bank

Type :

Fuel Credit Card

Interest Rate : 

3.4% per month (or 40.8% per annum)

Eligibility :

Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Minimum Income: Depends on the location of the credit card applicant.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.

ICICI HPCL Coral Credit Card
Pros
  • Welcome Benefits: None. 

  • Reward System: 2.5% cashback on purchase of fuel at HP petrol pumps on minimum purchase of INR 500. Max cashback capped at INR 100. Get 2 reward points on all other spends. Value of 1 reward point = INR 0.25. General cashback rate: 0.5%. 

  • 25% discount on booking movie tickets up to INR 100

  • Annual fee reversed on spending INR 50,000. 

Cons
  • No free lounge visits. 

  • Limited value add features. 

  • Low cashback rate.

Pros & Cons
Welcome Benefits
  • Welcome Benefits: None. 

Rewards System

Reward System: 2.5% cashback on purchase of fuel at HP petrol pumps on minimum purchase of INR 500. Max cashback capped at INR 100. Get 2 reward points on all other spends. Value of 1 reward point = INR 0.25. General cashback rate: 0.5%. 

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

None.

Eligibility Criteria

Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Minimum Income: Depends on the location of the credit card applicant.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.

Benefits
  • Cashback benefits. 

  • fuel benefits. 

  • Movie benefits. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

1. Online:

  • Visit ICICI Bank website.

  • Fill out the online application form with the correct details.

  • Upload the required documents when prompted.

  • Submit the application and track its status online.

2. Bank Branch:

  • Visit the ICICI Bank branch nearest to you. 

  • Meet a customer service representative and express your interest of availing the credit card.

  • Provide them with your KYC documents and fill out the application form.

  • Submit the application and inquire about further processing steps.

Contact Details

1800 1080

Account Opening and Procedure
ICICI HPCL Coral Credit Card Review

The card offers low fuel cashback rate when compared to other fuel credit cards from competitors. Even the general cashback rate is low. Value add benefits are also limited.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee: 199 + GST.

  • Annual Fee (Second year onwards): 199 + GST.

  • Interest Rate: 3.67% per month (annual interest rate - 44%). 

  • Interest On Cash: 2.49% per month (annual interest rate - 29.88%). 

  • Forex Marku: 3.5%

  • Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 300.

  • Rewards Redemption Fee: INR 99

  • Late Payment Charges: 0-1200 depending on the outstanding amount.il

Fuel Surcharge

1% fuel surcharge waiver at HPCL petrol pumps on transactions between Rs. 400 and Rs. 4,000, with a monthly cap of INR 250.

Billing Cycle

30 days.

Fees & Charges
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