ICICI Bank HPCL Coral Credit Card Review
The ICICI HPCL Coral is a low-cost fuel co-brand aimed squarely at people who fill up at HPCL pumps. For a ₹199 fee that is easily waived, it stacks fuel cashback, accelerated PAYBACK points and a surcharge waiver, plus the usual Coral lifestyle perks. Here is the verified review.
- Up to 25% cashback on fuel at HPCL
- 5 PAYBACK points per ₹100 on HPCL fuel
- 1% fuel surcharge waiver + 2.5% HPCL discount
- Low ₹199 fee, renewal waived at ₹50k spend
- Dining (Culinary Treats) + 25% off movies (BookMyShow)
- Fuel benefits capped monthly — read the limits
- Best value only at HPCL pumps
- Modest base rewards on non-fuel spends
- PAYBACK point value varies on redemption
- No premium travel perks
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹199 + GST |
| Annual fee | ₹199 + GST (waived on ₹50,000 annual spend) |
| Fuel cashback | Up to 25% at HPCL (capped) |
| Fuel PAYBACK points | 5 per ₹100 on HPCL fuel |
| HPCL discount | 2.5% on fuel at HPCL |
| Fuel surcharge waiver | 1% (caps apply) |
Eligibility & documents
Age
20 to 60 years
Income
Per ICICI norms
Recommended CIBIL
~720+
Network
Visa / Mastercard / RuPay
Best for
Regular HPCL fuel buyers
Documents
PAN, Aadhaar, income & address proof
Fuel rewards — the real math
- Up to 25% cashback on fuel at HPCL (subject to a monthly cap — verify the current limit).
- 5 PAYBACK points per ₹100 on HPCL fuel spends.
- 2.5% HPCL discount + 1% fuel surcharge waiver on qualifying fuel transactions.
- 2 PAYBACK points per ₹100 on other retail spends (standard Coral earn).
The headline 25% cashback is genuinely strong but capped, so it rewards consistent HPCL use rather than occasional fill-ups. Stack the cashback, points, discount and surcharge waiver and a regular HPCL customer can comfortably clear the ₹199 fee and the ₹50,000 waiver threshold.
Beyond fuel
- Dining savings via the ICICI Culinary Treats programme
- 25% off movie tickets on BookMyShow (caps apply)
- Wide acceptance and standard Coral lifestyle offers
Who this card is for
- Best fit: drivers who regularly fuel at HPCL and want maximum fuel value cheaply.
- Skip if: you fuel elsewhere or want a strong all-round rewards card.
How to apply & how to cancel
Apply: via icici.bank.in or iMobile. Cancel: call ICICI customer care after clearing dues; redeem PAYBACK points first.
Final verdict
The ICICI HPCL Coral is one of the better budget fuel cards for HPCL loyalists — the 25% cashback, 5X PAYBACK points and 2.5% discount add up quickly against a tiny, easily-waived fee. Just respect the monthly caps and remember the value concentrates at HPCL pumps; for broader everyday earning, pair it with a flat-cashback card.
Frequently asked questions
What is the joining fee?
₹199 + GST, with a ₹199 annual fee waived on ₹50,000 annual spend.
How much fuel cashback does it give?
Up to 25% cashback on fuel at HPCL pumps, subject to a monthly cap — confirm the current limit on icici.bank.in.
Does it earn on non-fuel spends?
Yes — standard Coral PAYBACK points on other retail, plus dining and movie discounts.
Is the fuel surcharge waived?
Yes — a 1% fuel surcharge waiver applies on qualifying transactions, with caps.
Data current as of June 2026, cross-checked against ICICI Bank’s official page and aggregators. Caps and terms change periodically — confirm on icici.bank.in before applying.