ICICI Bank HPCL Coral
ICICI Bank · Checked 2026-10-09
ICICI Bank HPCL Coral is a paid card focused on fuel savings and reward points, charging ₹199 annually before GST.
CardIQ editorial view
Our take
ICICI Bank HPCL Coral is a paid card focused on fuel savings and reward points, charging ₹199 annually before GST.
Who it suits
- People who prioritise fuel savings.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2.5% cashback on eligible HPCL fuel purchases, capped at ₹100 monthly.
- Eligible 1% surcharge waiver requires HPCL fuel purchases on an ICICI Bank POS terminal.
Trade-offs to understand
- Eligible 1% surcharge waiver requires HPCL fuel purchases on an ICICI Bank POS terminal.
- 2 points per ₹100 on eligible retail purchases; utility and insurance categories have reduced earn.
- Movie discounts are conditional and have monthly booking limits.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2.5% cashback on eligible hpcl fuel purchases, capped at ₹100 monthly valuable enough to clear the fee. Factor in this condition: Eligible 1% surcharge waiver requires HPCL fuel purchases on an ICICI Bank POS terminal.
Compare before deciding
- IDFC FIRST Power — A similarly priced alternative for comparing reward points and fuel savings.
- IndusInd Bank Jio-bp Mobility+ — A lower-fee way to compare similar strengths in reward points and fuel savings.
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Benefits, limits and conditions
- Eligible 1% surcharge waiver requires HPCL fuel purchases on an ICICI Bank POS terminal.
- 2 points per ₹100 on eligible retail purchases; utility and insurance categories have reduced earn.
- Movie discounts are conditional and have monthly booking limits.