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ICICI Bank

ICICI Bank HPCL Coral Credit Card

4.0Best for fuel spends

Verifying

Joining fee incl. GST: ₹235
Renewal fee incl. GST: ₹235
Conditional welcome value: —
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): ₹20,000/mo

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.
No confirmed lounge entitlement in the HPCL Coral product material reviewed.

Spend category	Reward rate	Reward limit
Fuel Only the qualifying merchants or payment route below 2.5% fuel cashback at HPCL, capped at ₹100/month. The separate surcharge refund is excluded from reward value.	2.5%	₹4,000 spend / month
Utilities & bills 1 ICICI Reward Point per ₹100 on utilities/insurance; point value ≈ ₹0.25	0.25%	Unverified
Insurance 1 Reward Point per ₹100	0.25%	Unverified
Other eligible purchases	0.5%	—

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹199

Annual fee₹199

Annual fee waiverRenewal fee waived on at least ₹50,000 annual eligible spending. Confirm excluded transactions in account terms.

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%

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

What we like

+Very low ₹199 annual fee, easily waivable
+Decent HPCL fuel savings for an entry-level card

What to watch

−Fuel cashback capped at ₹100/month
−Low base value-back (~0.5%)
−Current airport lounge entitlement has not been confirmed for this variant

Eligibility

Age 21–—
Salaried income ₹20,000/mo (≈₹2,40,000/yr)
Self-employed ₹2,40,000/yr (≈₹20,000/mo)

Salaried minimum ₹20,000/month; self-employed minimum ₹2,40,000/year.

Check ICICI Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this