ICICI Bank
ICICI Bank HPCL Coral Credit Card
Annual Fee
₹235₹199 + GSTBase Reward
2% Reward Points
Foreign Markup
3.5% of the transaction amount
Product Highlights
- Save 3.5% on fuel transactions (2.5% cashback and 1% fuel surcharge waiver)
- Get 2 Reward Points on every retail spend of ₹100
- A 25% discount on movies through BookMyShow
- Exciting discount offers on dining through the Culinary Treats Programme
- Easily redeemable Reward Points
Category Rewards
utilities
1 RP per ₹100 on utilities/insurance
0.25X
Specialty
1 RP per ₹100 on utilities/insurance
0.25X
Fee Waiver
Spend ₹50,000 or more in a year and get your renewal fee waived off
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
HPCL
2.5% cashback at HPCL fuel pumps(Cap ₹100/cycle)
Reward Calculator
Earns ₹680/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3.7K
ICICI Reward Points
₹915
via standard · ₹0.25/pt
Effective rate
0.48%
Annual fee
₹235
Year 1 net
+₹680
Year 2+ net
+₹680
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
2.5% cashback at HPCL fuel pumps
Headline: 2.50% effective
₹100/cycle ÷ 2.50% = ₹4,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
You get 2 Reward points on every spend of ₹100 on retail purchases. 2.5% cashback (up to ₹100) on purchasing fuel worth ₹500 and more from authorized HPCL fuel outlets. Fuel purchases are not eligible for Reward points.
- 1 Reward Point = ₹0.25. You can redeem 2,000 Reward Points against fuel worth ₹500.
Benefits & Features
Get a discount of 25% on movie tickets through BookMyShow & exclusive discount offers on dining through the Culinary Treats Programme.
Pros & Cons
Pros
- 2 Reward points on every spend of ₹100
- 2.5% cashback on fuel purchases at HPCL
- 25% discount on movies through BookMyShow
- Exclusive dining discounts
- Low joining and renewal fee
Cons
- Fuel purchases are not eligible for Reward points
- Redemption fee of ₹99 per request
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Spend ₹50,000 or more in a year and get your renewal fee waived off