ICICI Bank
ICICI Bank HPCL Coral Credit Card
4.0 / 5visa · rupay
- Joining fee
- ₹199
- Annual fee
- ₹199
- Base reward
- 0.5%
- Min income
- ₹20,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel | 3.5% | ₹100 |
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
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
The good
- + Very low ₹199 annual fee, easily waivable
- + Decent HPCL fuel savings for an entry-level card
- + Milestone reward points up to 10,000/year
The catch
- − Fuel cashback capped at ₹100/month
- − Low base value-back (~0.5%)
- − Airport lounge access requires ₹75,000 quarterly spend