← Part of ICICI Credit Cards in India
The ICICI Bank HPCL Coral Credit Card offers up to 3.5% savings on fuel, including a 1% surcharge waiver, making IT a strong choice for HPCL users. As of 2026, the card has a low joining fee of ₹199 and an annual fee of ₹199, which can be waived on annual spends of ₹50,000.
| Parameter | Details |
|---|---|
| Card Name | ICICI Bank HPCL Coral Visa Credit Card |
| Card Type | Co-branded fuel credit card (ICICI Bank & HPCL) |
| Issuing Banks | ICICI Bank, HPCL |
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST |
| Annual Fee Waiver | On spending ₹50,000 or more in a year |
| Fuel Savings | Up to 3.5% (includes 1% fuel surcharge waiver) |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 to ₹4000 at HPCL Fuel Stations (on ICICI Bank Merchant Services Swipe Machine) |
| Reward Points on HPCL Fuel | 5 PAYBACK reward points per ₹100 spent |
| Reward Points on Other Transactions | 1 PAYBACK point per ₹100 spent (excluding fuel) |
| Movie Discount | 25% discount (up to ₹100) on 2 BookMyShow tickets per month |
| Movie Offer Eligibility | Spend ₹25,000 or more in the preceding quarter (effective Apr 1, 2026) |
| Dining Discount | At least 15% savings at over 2500 partner restaurants via Culinary Treats program |
| Domestic Airport Lounge Access | 1 complimentary visit per quarter (on spending ₹75,000 in the previous quarter) |
| Railway Lounge Access | 1 complimentary visit per quarter at select railway lounges in India |
| Eligibility Age | 21 to 65 years |
| Eligibility Income | Minimum monthly income as per bank policy |
| Application Process | ICICI Bank website, iMobile Pay app, Internet Banking, or ICICI Bank branch |
| Documents Required | Proof of identity, address, and income |
| Add-on Card | Available for family members above 18 years of age |
| Security Features | Embedded microchip, 3D Secure registration, contactless payment |
| CardExpert Rating | 3.5 out of 5 (Source: CardExpert) |
This co-branded card is specifically designed for individuals seeking significant savings on fuel expenses at HPCL outlets, coupled with lifestyle benefits.
HPCL Coral Card: Features & Benefits
The ICICI Bank HPCL Coral Credit Card offers up to 3.5% savings on fuel, including a 1% fuel surcharge waiver at HPCL outlets. Cardholders earn 5 PAYBACK reward points for every ₹100 spent on HPCL fuel, alongside standard rewards on other retail purchases.
| Type/Category | Details | Key Feature |
|---|---|---|
| Fuel Savings | 1% fuel surcharge waiver on transactions between ₹400 to ₹4,000 at HPCL Fuel Stations, using ICICI Bank Merchant Services Swipe Machine. | Fuel Surcharge Waiver |
| Accelerated Reward Points | 5 PAYBACK reward points for every ₹100 spent on fuel payments at HPCL petrol pumps. | High Rewards on Fuel |
| Standard Reward Points | 1 PAYBACK reward point for every ₹100 spent on other retail transactions (excluding fuel). | General Spend Rewards |
| Overall Fuel Savings | Approximately 3.5% total savings on fuel, which includes the 1% fuel surcharge waiver. | full Fuel Benefit |
| Movie/Events Tickets | Complimentary tickets offer on BookMyShow by spending ₹25,000 or more within the preceding spends quarter (effective April 1, 2026). | Entertainment Benefits |
| Dining Discounts | Up to 15% discount at over 2,500 partnered restaurants across 12 major cities under the ICICI Culinary Treats Program. | Culinary Treats Program |
| Security Features | Embedded microchip for d security, preventing counterfeiting and duplicate cards. | Advanced Card Security |
| PAYBACK Redemption | PAYBACK points can be redeemed for gift vouchers, products from the PAYBACK rewards catalog, or for fuel at HPCL petrol pumps. | Flexible Redemption Options |
| Co-branded Partnership | A co-branded fuel credit card in partnership with Hindustan Petroleum Corporation Limited (HPCL). | HPCL Alliance |
| Add-on Card Facility | Add-on cards are available for family members aged 18 years and above. | Family Card Option |
| Contactless Payment | Supports contactless payment technology for quick and secure transactions. | Tap & Pay Convenience |
| Online Security | 3D Secure registration through the official ICICI Bank website for d online transaction security. | Secure Online Transactions |
The card’s low annual fee of ₹199, coupled with its fuel-centric benefits and broad reward earning on other transactions, makes IT a strong option for regular HPCL users.
HPCL Coral Card: Fees & Charges 2026
The ICICI Bank HPCL Coral Credit Card carries a joining fee of ₹199 + GST and an annual fee of ₹199 + GST as of 2026. This annual fee is waived if cardholders spend ₹50,000 or more in a year.
| Metric | Value (Rs.) | Source |
|---|---|---|
| Joining Fee | 199 + GST | ICICI Bank HPCL Coral Credit Card: Features, Benefits, Fees & Charges.. |
| Annual Fee | 199 + GST | ICICI Bank HPCL Coral Credit Card: Features, Benefits, Fees & Charges.. |
| Annual Fee Waiver Criteria | Spend ₹50,000 or more annually | ICICI Bank HPCL Coral Credit Card: Fuel Rewards and Benefits |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 to ₹4000 at HPCL Fuel Stations on ICICI Bank Merchant Services Swipe Machine) | ICICI Bank Coral Credit Card – Your First Step to Financial Freedom |
| Reward Redemption Fee | 99 + applicable taxes (per redemption request) | ICICI Bank HPCL Coral Credit Card: Fuel Rewards and Benefits |
| Reward Points on HPCL Fuel Spends | 5 PAYBACK reward points per ₹100 spent | ICICI Bank HPCL Coral Credit Card – 06 May 2026 |
| Reward Points on Other Transactions | 1 PAYBACK reward point per ₹100 spent | ICICI Bank HPCL Coral Credit Card |
| Monthly Reward Points CAP (Transportation) | 10,000 points | ICICI Bank Credit Card Changes from January 2026: New Fees |
The card’s low fees, combined with the annual waiver option, make IT a cost-effective choice for regular fuel users at HPCL stations.
Applying for HPCL Coral Card: Steps
Applying for the ICICI Bank HPCL Coral Credit Card is a straightforward process available through multiple channels. Applicants must meet age criteria of 21 to 65 years and have a minimum monthly income, as specified by ICICI Bank.
The application typically requires identity, address, and income proofs to ensure eligibility and a smooth approval process.
- Check Eligibility: Confirm you meet the age requirement (21-65 years) and the minimum monthly income criteria set by ICICI Bank.
- Gather Documents: Prepare necessary documents including proof of identity (Aadhaar, PAN), address (utility bill), and income (salary slips, bank statements).
- Choose Application Method: Apply online via the ICICI Bank website, through the iMobile Pay application, or by visiting an ICICI Bank branch.
- Online Application (Website): to the ‘Get HPCL Coral Card’ section on the ICICI Bank website, fill in personal details, employment type, and contact information.
- Online Application (iMobile Pay/Internet Banking): Log into your iMobile Pay app or ICICI Bank Internet Banking, then access the ‘Cards/Offers’ section for potential pre-approved offers.
- Branch Application: Visit any ICICI Bank branch, fill out the physical application form, and submit your required documents to a bank representative.
- Await Contact: After submitting your application, ICICI Bank representatives will contact you via call or SMS to guide you through the next steps or request additional information.
- Card Issuance: Upon successful verification and approval, your ICICI Bank HPCL Coral Credit Card will be dispatched to your registered address.
Ensure all provided information is accurate to avoid delays in the application and approval process for your new credit card.
HPCL Coral Card: Reward Points & Redemption
The ICICI Bank HPCL Coral Credit Card offers specific reward points on fuel and other retail spends. Cardholders earn 5 PAYBACK reward points for every ₹100 spent on fuel at HPCL petrol pumps, maximizing savings on regular fuel expenses.
For other retail purchases, the card provides 1 PAYBACK point per ₹100 spent, allowing accumulation across various transaction categories.
- Fuel Spends: Cardholders receive 5 PAYBACK reward points for every ₹100 spent on fuel at HPCL outlets. This benefit is designed for frequent fuel users.
- Retail Purchases: For all other retail transactions, excluding fuel, the card awards 1 PAYBACK point for every ₹100 spent.
- Joining Bonus: New cardholders receive a joining bonus of 2,000 reward points upon card activation.
- Reward Redemption: PAYBACK points can be redeemed for various rewards, including gift vouchers and products from the PAYBACK rewards catalog.
- Fuel Redemption Option: Points can also be redeemed directly for fuel at HPCL petrol pumps, offering a practical saving mechanism.
- Balance Check: Cardholders can check their PAYBACK points balance through the ICICI Bank mobile app, internet banking, or by contacting customer care.
- Cashback CAP: A cashback CAP of ₹100 per month applies to fuel purchases, valid on minimum transactions of ₹500 and above.
These reward points provide tangible savings, especially for those who frequently refuel at HPCL stations across India.
HPCL Coral vs Super Saver Card
The ICICI Bank HPCL Coral Credit Card offers 3.5% fuel savings, including a 1% surcharge waiver, primarily for HPCL outlets. In contrast, the ICICI Bank HPCL Super Saver Credit Card provides higher fuel savings of up to 6.5% and includes airport lounge access, which the Coral card lacks.
| Feature | HPCL Coral Card | HPCL Super Saver Card | IDFC FIRST Power |
|---|---|---|---|
| Annual Fee | ₹199 | Not explicitly stated, but implied higher than Coral | ₹499 |
| Fuel Savings on HPCL | 3.5% (including 1% fuel surcharge waiver) | Up to 6.5% | Up to 5% |
| Fuel Surcharge Waiver | 1% (on transactions ₹400-₹4000 at ICICI Bank Merchant Services Swipe Machine at HPCL) | 1% (on all fuel spends) | Not explicitly stated, but implied in overall savings |
| Reward Points on HPCL Fuel | 5 PAYBACK points per ₹100 spent | 4% cashback + 1.5% rewards (6 points per ₹100 via HP Pay app) | Not explicitly stated, but implied in overall savings |
| Welcome Benefit | Not explicitly stated | 2,000 reward points | ₹500 gift voucher on first HPCL fuel transaction (min ₹500 within 60 days) |
| Lounge Access | 1 complimentary railway lounge access per quarter | Complimentary domestic airport lounge access | Not explicitly stated |
| Reward Points on Other Spends | 1 PAYBACK point per ₹100 spent | 2 PAYBACK points per ₹100 spent (excluding fuel) | Not explicitly stated |
| Movie/Events Offer (2026) | Complimentary tickets on BookMyShow for ₹25,000+ spend in preceding quarter | Not explicitly stated | Not explicitly stated |
The HPCL Super Saver card is a better option for those seeking broader benefits like airport lounge access and higher overall fuel savings, while the Coral card is a more basic, cost-effective choice for consistent HPCL fuel users.
HPCL Coral Card: Eligibility Criteria
To apply for the ICICI Bank HPCL Coral Credit Card in 2026, applicants must be between 21 and 65 years old. A good CIBIL score and a stable income are for approval.
The bank assesses your financial history and income profile to determine eligibility for this co-branded fuel card.
- Age: Applicants must be a Resident Indian between 21 and 65 years of age.
- Income: A minimum monthly income is required, though the specific amount varies based on ICICI Bank’s internal policies.
- Credit Score: A strong credit history with a CIBIL score of 750 or higher significantly improves approval chances.
- Employment Status: Both salaried and self-employed individuals can apply, provided they meet the income criteria.
- Nationality: The card is available to Resident Indian citizens.
Meeting these criteria helps ensure a smooth application process for the HPCL Coral Credit Card.
HPCL Coral Card: Important Updates 2026
The ICICI Bank HPCL Coral Credit Card offers significant fuel savings, with up to 3.5% savings on fuel, including a 1% fuel surcharge waiver. As of April 1, 2026, new spend criteria apply for complimentary movie and event tickets.
- Movie/Events Offer Update: Starting April 1, 2026, cardholders must spend ₹25,000 or more in the preceding quarter to qualify for complimentary movie/event tickets via BookMyShow.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver remains applicable for transactions between ₹400 and ₹4,000 at HPCL fuel stations, specifically when using an ICICI Bank Merchant Services swipe machine.
- Reward Points Structure: Cardholders earn 5 PAYBACK reward points for every ₹100 spent on fuel at HPCL petrol pumps and 1 PAYBACK point for every ₹100 spent on other retail purchases.
- Annual Fee Waiver: The annual fee of ₹199 for the HPCL Coral Card is waived if the cardholder spends ₹50,000 or more in a year.
- Lounge Access: This card does not offer complimentary domestic airport lounge access. For lounge benefits, consider the ICICI HPCL Super Saver or the standard ICICI Coral Credit Card.
- Application Process: The application process for the ICICI Bank HPCL Coral Credit Card can be completed via the ICICI Bank website, iMobile app, or by visiting an ICICI Bank branch.
These updates ensure cardholders are aware of the latest benefits and eligibility requirements for the ICICI Bank HPCL Coral Credit Card in 2026.
Key Takeaways
- The HPCL Coral Card provides up to 3.5% fuel savings, including a 1% surcharge waiver at HPCL pumps (transactions ₹400-₹4,000).
- Effective April 1, 2026, a quarterly spend of ₹25,000 is required for complimentary movie/event ticket offers.
- The annual fee of ₹199 is waived on annual spends exceeding ₹50,000.
Verify current terms and apply for the ICICI Bank HPCL Coral Credit Card through the official ICICI Bank website or iMobile app.
Frequently Asked Questions (FAQs)
What are the fuel benefits of the ICICI Bank HPCL Coral Credit Card in 2026?
The ICICI Bank HPCL Coral Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL fuel stations. This benefit applies when using ICICI Bank Merchant Services swipe machines, helping you save on regular fuel expenses. The card provides an overall savings of about 3.5% on fuel, including the surcharge waiver.
What is the eligibility criteria for the ICICI Bank HPCL Coral Credit Card in 2026?
To apply for the ICICI Bank HPCL Coral Credit Card, you must be between 21 and 65 years old. Applicants also need a minimum monthly income, which ICICI Bank assesses based on your credit profile and CIBIL history. Meeting these criteria is for approval.
Does the ICICI Bank HPCL Coral Credit Card offer complimentary movie tickets in 2026?
Yes, the ICICI Bank HPCL Coral Credit Card offers complimentary movie tickets with BookMyShow starting April 1, 2026. To qualify, you must spend ₹25,000 or more on your card in the preceding calendar quarter. This spend unlocks the movie offer for the subsequent quarter.
What are the fees for the ICICI Bank HPCL Coral Credit Card in 2026?
The ICICI Bank HPCL Coral Credit Card has a low joining fee and an annual fee of ₹199. These fees make IT an accessible entry-level co-branded fuel card. Always verify the latest fee structure directly with ICICI Bank.
Does the ICICI Bank HPCL Coral Credit Card provide airport lounge access?
No, the ICICI Bank HPCL Coral Credit Card does not offer airport lounge access. This card is primarily focused on fuel savings and other lifestyle benefits. For lounge access, consider other ICICI Bank cards like the ICICI HPCL Super Saver or the standard Coral Credit Card.
How can I check the CVV for my ICICI Bank HPCL Coral Credit Card?
You can find the CVV for your ICICI Bank HPCL Coral Credit Card on the reverse side of the card, next to the signature panel. Alternatively, you can check IT by logging into your iMobile app or ICICI Bank Internet Banking. This three-digit code is for online transactions.
Are there any reward points on other transactions with the ICICI Bank HPCL Coral Credit Card?
Yes, the ICICI Bank HPCL Coral Credit Card offers reward points on all transactions, including utility bills and insurance payments. This feature is beneficial for an entry-level card, allowing you to accumulate rewards beyond just fuel purchases. Check the bank’s website for the latest reward point structure.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.