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ICICI Bank HPCL Coral Credit Card

ICICI Bank

ICICI Bank HPCL Coral Credit Card — card image from the issuer's official page

Annual / renewal fee

₹199 (2nd year onwards).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Earn rate

  • 2 ICICI Bank Reward Points per ₹100 spent on all retail spends (domestic and international) except fuel, utility (groceries, telecom, government, tax) and departmental store purchases.
  • 1 ICICI Bank Reward Point per ₹100 spent on utility (groceries, telecom, government, tax) and departmental store transactions.

Verifiedharvested from product page3 Aug 2026, 8:50 PM ISTICICI Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-03
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

ICICI Bank HPCL Coral Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹199 (first year).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Annual / renewal fee

₹199 (2nd year onwards).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Fee waiver

  • Annual Fee waiver from 2nd Anniversary Year onwards if total spends are ₹50,000 or more during the previous Anniversary Year (minimum spends for annual fee reversal: ₹50,000).
  • EMI transactions are excluded from total spends.

Verifiedharvested from product page3 Aug 2026, 8:50 PM ISTICICI Bank

Rewards

  • 2 ICICI Bank Reward Points per ₹100 spent on all retail spends (domestic and international) except fuel, utility (groceries, telecom, government, tax) and departmental store purchases.
  • 1 ICICI Bank Reward Point per ₹100 spent on utility (groceries, telecom, government, tax) and departmental store transactions.

Verifiedharvested from product page3 Aug 2026, 8:50 PM IST

Redemption value

  • Redemption handling fee of ₹99 (plus GST) per redemption request under the ICICI Bank Rewards Scheme.
  • ₹99 for catalogue-based redemptions and ₹25 for online and in-store redemptions at Online Partner Brands.
  • Reward Points are credited within 45 business days of statement generation and expire 36 months from date of issuance.

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Reward cap

  • Reward Points accrued per statement cycle capped for ICICI Bank HPCL Coral Credit Card: Utility Spend ₹40,000.
  • Insurance Spend ₹40,000.
  • Grocery and Departmental Spend ₹20,000 (w.e.f. Nov 15, 2024).
  • Transportation Transaction capped at ₹10,000 per statement cycle (w.e.f. Feb 01, 2026).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Reward exclusion

Cash AdvanceFuel transactionsservice charge/interest for non/part paymentlate payment charges and other fees/chargesjoining and renewal feesEMI transactionsBalance Transfer (BT) and Personal Loan on Credit Cards (PLCC). No reward points also on Cash and Rent categoriesand E-Wallet Reload category

Verifiedharvested from product page3 Aug 2026, 8:50 PM ISTICICI Bank

Travel & lounge

Lounge access

  • Complimentary airport lounge access unlocked by spending ₹75,000 in the preceding calendar quarter (spends in one quarter unlock access for the subsequent quarter), w.e.f. Jan 01, 2025.
  • (Membership Guide states one complimentary access per quarter to select airport lounges and one per quarter to railway lounges in India, subject to minimum ₹5,000 spend in a calendar quarter.).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Dining benefit

Exclusive dining offers and discounts at leading restaurants across India through the ICICI Bank Culinary Treats Programme.

VerifiedCoral Credit Card Membership Guide (includes Terms & Conditions and MITC reference; covers HPCL Coral family)3 Aug 2026, 8:50 PM ISTICICI Bank

Insurance

  • ICICI Bank offers free insurance cover on certain cards through a tie-up with ICICI Lombard General Insurance Company Limited or any other insurer as decided by ICICI Bank from time to time.
  • The policy is governed by the terms and conditions of ICICI Lombard.
  • Claim queries to be taken up directly with ICICI Lombard (Toll-Free: 1800-2666).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Milestone benefit

  • BookMyShow offer: enjoy the offer on the Credit Card by spending ₹25,000 or more in the preceding quarter (w.e.f. Jan 15, 2026).
  • This cycle repeats every quarter.
  • (ICICI Bank HPCL Credit Card, all variants, is eligible for this offer.).

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Eligibility

Eligibility

You can present up to two supplementary cards to your parents, spouse, children or siblings above the age of 18 years.

VerifiedCoral Credit Card Membership Guide (includes Terms & Conditions and MITC reference; covers HPCL Coral family)3 Aug 2026, 8:50 PM ISTICICI Bank

Charges & interest

Forex markup

  • Foreign currency transactions mark-up of 3.50%.
  • A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Charge

  • Finance charges 3.75% per month (45% p.a.) on retail and cash advances.
  • APR same for retail purchases, balance transfer, cash advances, non-payment of minimum amount due and late payment.
  • Cash advance transaction fee 2.5% of amount (min ₹500).
  • Card replacement fee ₹100 (₹200 w.e.f. Jul 1, 2024).
  • Supplementary/Add-on card fee ₹199 (annual, w.e.f. Nov 15, 2024).
  • Dynamic Currency Conversion fee 1% (3.5% w.e.f. Jan 15, 2026) on Indian-currency transactions at international locations/foreign-registered merchants in India.
  • Rent Pay 1% (MCC 6513).
  • Fuel transaction fee 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
  • Utility transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
  • Transportation transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
  • Education payment fee 1% for third-party app payments (w.e.f. Nov 15, 2024).
  • Skill-based gaming fee 2% (w.e.f. Jan 15, 2026).
  • Wallet load fee 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
  • Over-limit charges 2.50% of over-limit amount (min ₹550).
  • Fee on cash payment at branches ₹100 per transaction (₹150 w.e.f. Jan 15, 2026).
  • Railway booking surcharge 1.80% (Internet) / 2.50% (other).
  • Late payment charges: None below ₹100.
  • ₹100 (₹100-500).
  • ₹500 (₹501-1,000).
  • ₹600 (₹1,001-5,000).
  • ₹750 (₹5,001-10,000).
  • ₹900 (₹10,001-25,000).
  • ₹1,100 (₹25,001-50,000).
  • ₹1,300 (above ₹50,000).
  • Return of cheque / Auto-Debit return fee 2% of Total Amount Due (min ₹500) plus ₹50 + GST.
  • GST 18%.

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Fuel surcharge waiver

  • 2.5% cashback on fuel purchases at HPCL fuel pumps (capped at ₹100 per month; minimum transaction ₹500), PLUS 1% fuel surcharge waiver (over and above the cashback) at HPCL outlets via any ICICI Bank POS machine for transactions between ₹400 and ₹4,000.
  • Fuel surcharge waiver applicable up to ₹50,000 spends per statement cycle.

Verifiedharvested from product page3 Aug 2026, 8:50 PM ISTICICI Bank

Interest-free period

  • Interest-free period could range from 18 to 48 days.
  • A grace period of 3 days will be given after the payment due date.
  • No interest-free period applies if Total Amount Due is not paid by the payment due date plus 3 days grace.
  • Not applicable to cash advances.

VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 20263 Aug 2026, 8:50 PM ISTICICI Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the ICICI Bank HPCL Coral Credit Card?

Officially traced: Rs. 199 (2nd year onwards).

Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026

What is the joining fee on the ICICI Bank HPCL Coral Credit Card?

Officially traced: Rs. 199 (first year).

Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026

Is the ICICI Bank HPCL Coral Credit Card annual fee ever waived?

Annual Fee waiver from 2nd Anniversary Year onwards if total spends are Rs. 50,000 or more during the previous Anniversary Year (minimum spends for annual fee reversal: Rs. 50,000).

harvested from product page

How does the ICICI Bank HPCL Coral Credit Card earn rewards?

2 ICICI Bank Reward Points per Rs. 100 spent on all retail spends (domestic and international) except fuel, utility (groceries, telecom, government, tax) and departmental store purchases.

harvested from product page

What lounge access does the ICICI Bank HPCL Coral Credit Card include?

Complimentary airport lounge access unlocked by spending Rs. 75,000 in the preceding calendar quarter (spends in one quarter unlock access for the subsequent quarter), w.e.f.

Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026

What are the transfer ratios for ICICI Bank HPCL Coral Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026Coral Credit Card Membership Guide (includes Terms & Conditions and MITC reference; covers HPCL Coral family)harvested from product page

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-coral-credit-card.

Verifiedharvested from product page3 Aug 2026, 8:50 PM ISTICICI Bank

Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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