ICICI Bank HPCL Coral Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns Points
First-year fee
₹199 + GST
Annual fee
₹199 + GST
What it gives back
2 Points per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual feeJoining fee
₹199 + GST
Fee waiver rule
Fee waived if you spend ₹50,000.
Rewards
Reward rate
2 Points per ₹100 · everyday spends2 Points per ₹100 spent on retail spend and 1 on utility spend.
Fuel earning
2.5% cashback when the card is swiped at any HPCL fuel pump (Capped at ₹100 per month)
Utilities earning
1 Point on every ₹100 Utility Spend.
Reward exclusions
No reward points will be provided for transactions falling under the Cash, Rent and E-Wallet Reload categories.
Reward caps
Reward Points accrued per statement cycle will be capped: Utility Spend ₹40,000, Insurance Spend ₹40,000, Grocery and Departmental Spend ₹20,000.
Catalogue redemption
Redeem reward points for Health & Beauty, Travel & Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion & Lifestyle.
Voucher and product redemption
Redeem reward points for Shopping Voucher.
Point expiry
36 months from the date of issuance.
Card benefits
Movie or entertainment ticket benefit
25% off up to ₹100: Get 2 monthly discounts on movie tickets through BookMyShow; you must spend ₹25,000 or more within the preceding spends quarter
Also included
Fuel surcharge waiver
1% fuel surcharge waiver when the card is swiped at any HPCL fuel pump using ICICI Bank POS machine.
Surcharge on railway tickets
1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)
Cash advance fee
2.5% on advanced amount, subject to minimum of ₹500
Cash withdrawal limit
The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.
Interest on unpaid balance
Interest of 3.75% per month.
Interest-free period
18 to 48 days interest-free when you pay in full.
Late payment fee
Ranging from ₹100 to ₹1300.
Over-limit fee
2.50% of the over-limit amount, subject to a minimum of ₹550
Payment return or dishonour fee
Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)
Card replacement fee
₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card
Cash payment / cash deposit fee
A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment
Education / school fee charge
A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)
EMI conversion fee
Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions
Fee on online skill-based gaming spends
A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)
Reward redemption fee
₹99 plus GST on every redemption request
Wallet load charge
A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)
Fuel transaction fee
A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)
Rent transaction fee
1% fee on transaction amount (Merchant Category Code: 6513)
Utility transaction fee
A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)
GST note
GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges
Grace days after the due date
Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.
Eligibility
Income requirement
Salaried: monthly income of ₹20,000; Self-employed: annual income of ₹2,40,000.
Minimum age
An Indian citizen, aged over 21 years.
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.
Whether carrying a balance ends the interest-free period
No interest free period if the Total Amount Due is not paid by the payment due date + 3 days grace.
How we know - 4 documents from ICICI Bank, checked 19 Oct 2026
On these lists
- Credit cards for a ₹25,000 monthly salary32 cards→
- Credit cards for a ₹50,000 monthly salary55 cards→
- Credit cards that waive the annual fee when you spend99 cards→
- Credit cards with a fuel surcharge waiver161 cards→
- Credit cards with an annual fee of ₹500 or less67 cards→
- Credit cards with movie ticket offers68 cards→
₹199 a year
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