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 pairs 2.5% HPCL fuel cashback with a surcharge waiver, ICICI reward points and a BookMyShow discount. Here is the verified review.
- Up to 3.5% savings on fuel at HPCL2
- reward points per ₹100 on retail spends2.5
- % HPCL cashback (₹100/month cap) + 1% surcharge waiver
- Low ₹199 fee, renewal waived at ₹50k spend
- 25% off BookMyShow movies (up to ₹100, 2x/month)
- Fuel benefits capped monthly — read the limits
- Best value only at HPCL pumps
- Modest base rewards on non-fuel spends
- BookMyShow offer needs ₹25,000 prior-quarter spend
- No premium travel perks
Fees & charges
| Item | Charge | |||||
|---|---|---|---|---|---|---|
| Joining fee | ₹199 + GST | |||||
| Annual fee | ₹199 + GST (waived on ₹50,000 annual spend) | |||||
| Fuel cashback | 2.5% at HPCL (capped ₹100/month) | Reward points | 2 RP per ₹100 retail; 1 on utilitiesHPCL discount | Included in the 2.5% cashback above | Fuel surcharge waiver | 1% (caps apply) |
Eligibility & documents
Age
21 to 65 years
Income
₹20,000/month salaried or ₹2,40,000/year self-employed
Recommended CIBIL
~720+
Network
Visa / Mastercard / RuPay
Best for
Regular HPCL fuel buyers
Documents
PAN, Aadhaar, income & address proof
Fuel rewards — the real math
- 2.5% cashback on fuel at HPCL (capped at ₹100 a month).1
- reward point per ₹100 on utility spends.1% fuel surcharge waiver on ₹400–₹4,000 transactions at HPCL pumps.
- 2 ICICI reward points per ₹100 on retail spends.
The 2.5% cashback is capped at ₹100 a month, so it rewards consistent HPCL use rather than occasional fill-ups. Stack the cashback, points and surcharge waiver and a regular HPCL customer can comfortably clear the ₹199 fee and the ₹50,000 waiver threshold.
Beyond fuel
- 2 reward points per ₹100 on retail spends25
- % off (up to ₹100) BookMyShow tickets twice a month, on ₹25,000 prior-quarter spend
- 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 reward points first.
Final verdict
The ICICI HPCL Coral is one of the better budget fuel cards for HPCL loyalists — the 2.5% HPCL cashback and 1% surcharge waiver add up 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?
2.5% cashback at HPCL pumps, capped at ₹100 a month, plus a 1% surcharge waiver on ₹400–₹4,000 transactions.
Does it earn on non-fuel spends?
Yes — 2 reward points per ₹100 on retail (1 on utilities), plus a BookMyShow discount.
Is the fuel surcharge waived?
Yes — a 1% fuel surcharge waiver applies on ₹400–₹4,000 transactions at HPCL pumps.
Data current as of October 2026, cross-checked against ICICI Bank’s official page. Caps and terms change periodically — confirm on icici.bank.in before applying.