ICICI Bank HPCL Coral Credit Card: Features & Apply

Summary

Daily fuel users who would prefer to save even further on everyday expenses would adore the ICICI Bank HPCL Coral Credit Card. First, the card provides amazing fuel rewards with a 1% fuel surcharge refund on spends up to ₹4,000 and 2.5% cashback on spends at HPCL fuel stations. Besides, the customers earn 5 PAYBACK points for every ₹100 spent on HPCL fuel, which can be used to avail themselves of fuel or other benefits.

In addition to fuel rebates, there are also recreational lifestyle benefits offered by this credit card. For example, customers benefit from up to ₹100 discount on movie tickets twice a month on BookMyShow or INOX, and hence perfect for those who are cinema enthusiasts.

Another notable advantage is the inclusion of free airport and train station lounges at specific airports and stations, provided each quarter if spending thresholds are met. The card also includes contactless payment technology, allowing for fast and secure payments without card insertion or swiping.

Introduction

In today’s fast-paced world, having a credit card isn’t a luxury anymore — it’s a smart financial tool. No matter if you are buying online, paying bills, or refilling petrol in your vehicle, a credit card can make all these convenient and rewarding. If you are one of those individuals who travel frequently and spend a lot on petrol, then the ICICI Bank HPCL Coral Credit Card is your best bet.

The ICICI HPCL Coral Credit Card is a co-brand card launched by ICICI Bank in association with Hindustan Petroleum Corporation Limited (HPCL). It combines the safety of ICICI Bank and HPCL’s widespread network of petrol pumps across India. It provides the benefits of fuel surcharge waivers, reward points, cashback offers, and attractive offers on not only fuel but also food, cinema, and many more to the user.

One of the most useful aspects of this credit card is the reward points it awards you every time you make a purchase, especially at HPCL fuel pumps. You can subsequently redeem these reward points to earn cashback or discounts, and thus, the higher you spend, the more you save. You also get discounts on movie tickets booked through BookMyShow, and special offers on dining at restaurants through the ICICI Bank Culinary Treats Programme.

What is so attractive about the ICICI HPCL Coral Credit Card is that it is charged with a low joining fee and annual fees, thus making it within reach for most users. It is also equipped with contactless payment, which makes it possible for you to pay faster and more securely.

What is the ICICI Bank HPCL Coral Credit Card?

ICICI Bank HPCL Coral Credit Card is a specialized credit card launched by ICICI Bank in association with HPCL (Hindustan Petroleum Corporation Limited). The card has been designed particularly for heavy users of fuel. Through this credit card, while you buy fuel at HPCL petrol pumps, you earn reward points, reduction of fuel surcharge, and cashback.

In addition to saving on fuel, this card also gets you discounts on cinema tickets, restaurant offers, and reward points on other daily spends. It is a perfect choice for people who want to save on fuel spends and receive other lifestyle benefits at the same time.

How is the design of the ICICI Bank HPCL Coral Credit Card?

The ICICI Bank HPCL Coral Credit Card has a chic and sophisticated look that symbolizes style as much as functionality. The card features the ICICI Bank and HPCL logos prominently, highlighting its co-branding status. Its color scheme and layout are such that they appeal to customers who seek a professional and sophisticated appearance.

Apart from its beauty, the card is also loaded with contactless payment capability that allows users to make payments instantly and securely by simply tapping the card on any contactless accepting point of payment. This is even more convenient for customers who are always on the go. In addition, the card contains an embedded microchip that provides an additional security feature against forgery and misuse.

What are the benefits of the ICICI Bank HPCL Coral Credit Card?

The following are summaries of its main benefits:

Fuel Benefits

• 2.5% Cashback on HPCL Fuel Pump Transactions: Earn 2.5% cashback on HPCL fuel pump transactions of ₹500 to ₹100 cashback per month.

• 1% Waiver of Fuel Surcharge: Avail a waiver of 1% fuel surcharge on spends of up to ₹4,000 at HPCL fuel pumps India-wide.

Reward Points

• Accelerated PAYBACK Points: Get 5 PAYBACK points for each ₹100 fuel purchase at HPCL fuel stations.

• Retail Purchases: Earn 2 PAYBACK points per ₹100 of retail purchase, excluding fuel.

• Redemption: Exchange 2,000 PAYBACK points and redeem ₹500 of fuel at HPCL petrol pumps.

Entertainment Benefits

• Movie Discounts: Get a 25% discount, up to ₹100, on two movie tickets minimum per order on BookMyShow or INOX, at least twice a month.

Dining Privileges

• Culinary Treats Program: Get a minimum 15% discount on your meal at more than 2,100 partner restaurants in India.

Travel Perks

• Lounge Access: Get one free access every quarter to select airport and railway lounges in India. You will need to spend ₹75,000 in the last calendar quarter to qualify.

Other Features

• Contactless Payments: Equipped with Visa Pay Wave technology for convenient and secure payment.

• Annual Fee Waiver: ₹199 annual fee is waived if you’ve spent over ₹50,000 in the last year.

What are the fees for the ICICI Bank HPCL Coral Credit Card?

Here is a simple breakdown of the  ICICI Bank HPCL Coral Credit Card fees.

Joining Fee	Rs. 199 + GST (per month)
Annual Fee	Rs. 199 + GST (per month)
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.4% per month (40.80% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an ICICI Bank HPCL Coral Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an ICICI Bank HPCL Coral Credit Card?

The documents that you will have to submit to get an ICICI Bank HPCL Coral Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the ICICI Bank HPCL Coral Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Bank HPCL Coral Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• The  ICICI Bank HPCL Coral Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the ICICI Bank HPCL Coral Credit Card?

The credit amount you can spend is what you are provided with an ICICI Bank HPCL Coral Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

How do you apply for an ICICI Bank HPCL Coral Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the  ICICI HPCL Coral Credit Card.

• Just hover your cursor on the  ICICI Bank HPCL Coral Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest ICICI Bank branch to apply for the  ICICI Bank HPCL Coral Credit Card.

• Request for the credit card application form of the  ICICI Bank HPCL Coral Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  ICICI Bank HPCL Coral Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an ICICI Bank HPCL Coral Credit Card in 2025 be right?

Yes, getting an ICICI Bank HPCL Coral Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Particularly for regular fuel users of cars, the practical and sensible ICICI HPCL Coral Credit Card is It provides a fantastic combination of savings, rewards, and lifestyle incentives that will enable you to lower your monthly fuel consumption and concurrently get extra benefits. With fuel cashback as one of the benefits, reward points on all purchases, and a 1% rebate of the fuel surcharge at HPCL fuel stations, the card has one intention: reducing the cost of your fuel expenditure.

However, the card has something else as well. It also offers discounts on movie ticket prices, special restaurant privileges at affiliated restaurants, and airport and train station lounge visits free of charge (on hitting spending milestones). These perks make the card handy not just for day-to-day spending but also for travel and entertainment.

Another great advantage is the contactless payment feature, which allows you to make speedy and secure payments without revealing your card. Moreover, if you spend ₹50,000 or above in a year, your ₹199 annual fee is waived, making it affordable.

Frequently Asked Questions (FAQ’s)