If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.
ICICI Bank
ICICI Bank HPCL Coral Credit Card
4.0Best for fuel spends
- Joining fee
- ₹199
- Annual fee
- ₹199
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹20,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Fuel Up to 3.5% savings at HPCL = 2.5% cashback (capped ₹100/month) + 1% fuel surcharge waiver | 3.5% | ₹100 | ₹42 |
Utilities & bills 1 ICICI Reward Point per ₹100 on utilities/insurance; point value ≈ ₹0.25 | 0.25% | — | ₹300 |
Insurance 1 Reward Point per ₹100 | 0.25% | — | ₹300 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹199
Annual fee₹199
Annual fee waiverAnnual fee waived on spends of ₹50,000 or more in the previous year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹2,00,000 | 2,000 Reward Points on annual spend of ₹2,00,000 | ₹500 |
| ₹3,00,000 | 1,000 Reward Points for every additional ₹1,00,000 spent (max 10,000 points/year) | ₹250 |
Key benefits
- Up to 3.5% savings on HPCL fuel (2.5% cashback capped ₹100/month + 1% surcharge waiver)
- 2 Reward Points per ₹100 on retail spends (≈0.5% value-back)
- 1 Reward Point per ₹100 on utilities/insurance
- 25% off (up to ₹100) on BookMyShow movie tickets (₹25,000 quarterly spend gate)
- ICICI Bank Culinary Treats dining discounts
- 1 complimentary railway lounge visit per quarter
What we like
- +Very low ₹199 annual fee, easily waivable
- +Decent HPCL fuel savings for an entry-level card
- +Milestone reward points up to 10,000/year
What to watch
- −Fuel cashback capped at ₹100/month
- −Low base value-back (~0.5%)
- −Airport lounge access requires ₹75,000 quarterly spend
Compare with similar cards
- Top reward
- 5%
- Annual fee
- Lifetime free
- Top reward
- 1%
- Annual fee
- ₹12,000
- Top reward
- 5%
- Annual fee
- ₹500
- Welcome bonus
- ₹500 value