The verdict
Advertised HPCL savings and movie discounts require full offer terms before a net return can be calculated.
The maths for it
The page advertises up to 3.5% HPCL savings, but exact eligible transactions and component values are unresolved.
The maths against
No reliable rupee return is available until fuel cashback mechanics and point redemption are verified.
✓What works
- +1% fuel surcharge waiver advertised on ₹400–₹4,000 HPCL transactions.
- +Next annual fee waived after ₹50,000 spend, subject to eligible-spend rules.
✕What doesn't
- −Cashback decomposition and caps are not established by the product page.
- −BookMyShow eligibility and point redemption value remain unverified.
What it earns
Retail earns 2 points/₹100 and utility earns 1 point/₹100; no rupee equivalent established.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Retail spend | 2 points / ₹100 | — | — |
| Utility spend | 1 point / ₹100 | — | — |
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
Voucher categories are listed; conversion, minimum, charges and expiry remain open.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Up to 3.5% HPCL fuel savings advertised; exact composition and caps pending.
- +1% surcharge waiver on ₹400–₹4,000 HPCL transactions advertised.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining fee | ₹199 + GST |
| Annual fee | ₹199 + GST; next year waived after ₹50,000 spend |
| Forex markup | 3.5%; taxes and transaction rules pending |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Citizenship and age | Indian citizen over 21 |
| Salaried income | ₹20,000 monthly income stated |
| Self-employed income | ₹2,40,000 annual income stated |
Frequently Asked Questions
Kya ICICI Bank HPCL Coral Credit Card par airport lounge access milta hai?
No lounge benefit established by current capture
ICICI Bank HPCL Coral Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹199 + GST; next year waived after ₹50,000 spend hai. Fee waiver condition: Next annual fee waived after ₹50,000 spend; qualifying-spend rules pending. Foreign currency markup: 3.5%; taxes and transaction rules pending. Baaki ya missing charges ke liye bank ka current MITC check karein.
ICICI Bank HPCL Coral Credit Card par reward rate aur points ki real rupee value kya hai?
Published earn rate: 2 points/₹100 retail; 1 point/₹100 utility; point value unverified. Point value ke liye bank ke current terms check karein.
ICICI Bank HPCL Coral Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
Verified card details mein reward exclusions listed nahi hain. Fuel surcharge waiver ke liye bank ke terms check karein.
2026 mein ICICI Bank HPCL Coral Credit Card kin users ke liye best suited hai?
Card details ke mutabik yeh "HPCL users who can meet the fuel and movie offer terms" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card budget-conscious vehicle owners, daily commuters aur two-wheeler riders ke liye designed ek entry-level fuel-oriented credit card hai. ICICI Bank ke lowest annual maintenance fees wale cards mein aane ki wajah se yeh HPCL petrol pumps par direct fuel savings ke saath daily retail shopping aur entertainment benefits provide karta hai.
Key Privileges aur Everyday Benefits
- HPCL Fuel Savings aur Surcharge Relief:
- Fuel par Up to 3.5% Savings: Desh bhar ke authorized HPCL petrol pumps par fuel purchase karne par up to 3.5% combined value back milta hai.
- 1% Fuel Surcharge Waiver: HPCL petrol stations par ₹400 se ₹4,000 ke beech fuel transactions par 1% fuel surcharge complete waive off hota hai.
- Retail aur Utility Rewards:
- General retail shopping par ₹100 spend par 2 reward points earn hote hain.
- Recurring utility bill payments par ₹100 spend par 1 reward point milta hai.
- Entertainment Privileges:
- BookMyShow Cinema Savings: BookMyShow ke through movie tickets book karne par month mein do baar 25% off (up to ₹100 per transaction) milta hai.
- Accessible Annual Fee Waiver:
- Sirf ₹199 + GST ki nominal annual fee card anniversary year mein ₹50,000 ya usse zyada spend karne par next year ke liye automatically waive off ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
Card ka smooth experience lene ke liye kuch practical operational factors dhyaan mein rakhna zaroori hai:
- Designated Merchant Outlets: Fuel discount aur surcharge waiver specifically authorized HPCL retail outlets par ICICI swipe machines ya certified POS terminals par applicable hota hai.
- Transaction Size Guidelines: 1% fuel surcharge waiver per swipe ₹400 se ₹4,000 ke transactions par hi valid hota hai.
- Airport Lounge Privileges: HPCL Coral card mein complimentary domestic airport lounge access included nahi hai. Agar airport lounge access priority hai, toh cardholders HPCL Super Saver ya regular Coral card consider kar sakte hain.
- Reward Points Valuation: Earned points ICICI Bank ke rewards portal mein accumulate hote hain aur unhe gift vouchers ya products ke against redeem kiya ja sakta hai.
Yeh Card Kinke Liye Best Fit Hai
- Budget-Conscious Two-Wheeler aur Car Drivers: Jinka monthly fuel expense ₹1,500 se ₹4,000 ke beech hai aur jo heavy card annual fees diye bina fuel par regular savings chahte hain.
- First-Time Cardholders: Jo low maintenance fee aur easily achievable ₹50,000 annual spend waiver ke saath apna pehla credit card chahte hain.
- Casual Moviegoers: Jo fuel savings ke saath-saath BookMyShow ke discount offers ka regular benefit lena chahte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.
⚖️ Trademark & Intellectual Property Ownership:Is page par mention kiye gaye sabhi registered trademarks, brand names, aur card titles—jaise ki ICICI Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Visa, Mastercard, RuPay—unke respective banks ke exclusive intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):Brand aur card names ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai. CredSutra ICICI Bank se affiliated ya endorsed nahi hai.
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📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively ICICI Bank ke paas hota hai.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021