ICICI Bank HPCL Platinum Credit Card: Features & Apply

Summary

The ICICI Bank HPCL Platinum Credit Card is a dedicated credit card that not only saves consumers money on fuel but also provides additional lifestyle benefits. It is designed for those who spend a lot of time refilling fuel for their vehicles at HPCL gasoline stations and want to reward their fuel spend. The consumers get 2.5% cashback on every fuel purchase at HPCL outlets using ICICI Merchant Services swipe points, along with a 1% fuel surcharge rebate, reducing their expenditure significantly on monthly fuel.

Apart from fuel savings, the card offers PAYBACK reward points on all retail purchases other than fuel. These reward points can be redeemed for buying free fuel or other exciting gifts from the PAYBACK catalog. Cardmembers also enjoy up to ₹100 discount on two movie tickets a month on BookMyShow and enjoy at least a 15% discount at Indian restaurants participating under ICICI Bank’s Culinary Treats offer.

The card is enabled for contactless transactions for quick and safe transactions. The card carries a joining fee of ₹199 + GST, and the same is levied as an annual fee from the second year onwards. The annual fee is, however, exempted if the customer spends ₹50,000 or more in a year.

Introduction

In today’s fast-moving world, using a credit card to pay for petrol and daily spends has proved to be a smart move. If you are a frequent road traveller by car or two-wheeler and spend large amounts of money on petrol or diesel, then the Card can help you save money. The card has been tailored for those who frequently visit HPCL (Hindustan Petroleum) petrol stations.

The ICICI Bank HPCL Platinum Credit Card is a co-branded card, i.e., it is launched in conjunction with Hindustan Petroleum. The use of this card is to give you fuel savings and other lifestyle rewards, like eating, shopping, etc. It also includes contactless technology, through which you can simply tap your card against a terminal to pay without entering a PIN for small-value transactions.

One of the greatest things about this card is that there is no fuel surcharge waiver, i.e., you do not have to pay the extra 1% fuel surcharge at HPCL petrol pumps when paying using this card. In addition to that, you also gain reward points for every rupee spent. The points can be offset in terms of fuel or other exciting gifts from the ICICI rewards catalog. In the long run, this can save you a decent amount of money on your fuel costs.

In addition to fuel benefits, this Card also provides excellent dining discounts through the ICICI Bank Culinary Treats Programme. That’s correct – you can indulge in tasty food at your favorite restaurants for fewer dollars. The card also provides you with online account access, so you can see your balance, see your transactions, and pay bills easily from your phone or PC.

What is the ICICI Bank HPCL Platinum Credit Card?

The ICICI Bank HPCL Platinum Credit Card is a special credit card for people who consume petrol regularly. ICICI Bank brings this card in association with HPCL (Hindustan Petroleum Corporation Limited). With this card, you will save money every time you buy petrol or diesel from HPCL petrol stations.

It gives you 1% cashback, reward points, and a 1% fuel surcharge waiver, thus spending less than usual on filling fuel. Besides fuel benefits, the card also gives you a discount on dining, shopping, and other lifestyle expenditures. It is a very good choice for users who do a lot of driving and want to reduce their monthly fuel spending while earning additional benefits.

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

The ICICI Bank HPCL Platinum Credit Card has a professional and sophisticated look, highlighting its theme of fuel savings and daily rewards. The card would normally bear the ICICI Bank and HPCL logos, highlighting its co-brand nature. Its layout is minimal and ensures that all the key details, such as the card number, cardholder’s name, and expiry dates, are visible.

Functionally, the card contains a chip to make it more secure and also include contactless payments to enable one to make convenient and secure payments through simple touching of the card against compatible payment point-of-sale terminals.

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

The following are its key benefits explained in detail:

Fuel Benefits

• 2.5% Cashback on Fuel Purchases: Receive a maximum cashback of ₹100 per month when purchasing fuel at HPCL petrol stations using ICICI Bank Merchant Services swipe machines.

• 1% Fuel Surcharge Waiver: Get a 1% fuel surcharge for transactions of up to ₹4,000 at HPCL retail outlets, payable only when the card is swiped at ICICI Merchant Services POS terminals.

Prize Points

• Not including petrol, each ₹100 of retail purchases earns two PAYBACK points.

• Accrue up to 2,000 PAYBACK points, redeem them as ₹500 petrol at HPCL fuel outlets.

Lifestyle advantages

• Receive ₹100 discount on the ticket price for a movie bought on BookMyShow, twice a month, therefore saving up to ₹2,400 yearly.

• Dining Offers: Enjoy a minimum of 15% discount at over 800 partner restaurants in India through the ICICI Bank Culinary Treats Programme.

Extra Benefits

• Contactless Payments: Pay fast and safely through the contactless payment facility of the card.​

• Online Account Management: Track your expenses, see statements, and control your account online conveniently.

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

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

Joining Fee	Rs. 199 + GST
Annual Fee	Rs. 199 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.40% 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 Platinum 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 Platinum Credit Card?

The documents that you will have to submit to get an ICICI Bank HPCL Platinum 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 Platinum Credit Card be used?

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

• With the ICICI Bank HPCL Platinum 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.

• You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Bank HPCL Platinum 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 Platinum Credit Card?

The credit amount you can spend is what you are provided with an ICICI Bank HPCL Platinum 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.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an ICICI Bank HPCL Platinum 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 Bank HPCL Platinum Credit Card.

• Just hover your cursor on the  ICICI Bank HPCL Platinum 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 Platinum Credit Card.

• Request for the credit card application form of the  ICICI Bank HPCL Platinum 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 that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas 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 Platinum 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 Platinum Credit Card in 2025 be right?

Yes, getting an ICICI Bank HPCL Platinum 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

The ICICI Bank HPCL Platinum Credit Card is a befitting choice for both fuel purchasers and lifestyle reward users. Its most striking benefit is 2.5% cashback on HPCL petrol pump fuel transactions up to ₹100 cashback in a month. This benefit can be availed by regular travelers as well as by those who utilize cars or bikes frequently.

Apart from fuel saving, the card also waives the 1% fuel surcharge on transactions up to ₹4,000 at HPCL retail outlets if the card is swiped at ICICI Merchant Services POS terminals. This benefit also boosts the popularity of the card among regular drivers.

Apart from the fuel benefits, the card also gives 2 PAYBACK points for every ₹100 retail purchase, excluding fuel. The points so earned can be used to purchase fuel or other benefits, thus increasing the value of the card even more.

Frequently Asked Questions (FAQ’s)