ICICI Bank HPCL Coral Credit Card Review

29.07.2025 09:25 PM - Comment(s)

ICICI Bank HPCL Coral Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

ICICI Bank HPCL Coral Credit Card Review
"Drive More, Spend Less"

Introduction

The ICICI Bank HPCL Coral Credit Card is an entry-level, co-branded fuel credit card designed for individuals who frequently refuel at HPCL pumps and seek value from everyday spending. With a low annual fee, straightforward rewards, and practical lifestyle benefits, this card is an excellent choice for budget-conscious users who want to maximize savings on fuel and enjoy entertainment perks, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Reward Structure

Earn 2 reward points per ₹100 spent on retail purchases.
Earn 1 reward point per ₹100 spent on utility and insurance payments.
Redeem points for a wide range of categories including Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.

Fuel cost savings

Up to 3.5% savings on fuel transactions at HPCL petrol pumps.

Movie and Dining Benefits

Enjoy 25% off (up to ₹100) on movie tickets booked via BookMyShow and INOX, twice a month.
Get dining discounts with Culinary Treats Programme.

Fuel surcharge waiver

Get 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.

Fees And Charges

₹199 + GST (Spend ₹50,000 and get your annual fee waived off for the next year).

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Card Essential

Type	Reward Points
Welcome Benefits	----
Annual Fee	₹199 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	Spend ₹50k + annually, get your renewal fee waived.

Rewards and Benefits Analysis

The ICICI Bank HPCL Coral Credit Card is best suited for users who frequently refuel at HPCL pumps and want to maximize savings on fuel, utilities, and insurance. Its low annual fee and easy waiver make it a budget-friendly choice. The card’s reward structure, movie and dining discounts adds significant value for entry-level users.

Practical Considerations

Best for: Frequent HPCL fuel users, utility and grocery shoppers, and movie enthusiasts.
Reward Redemption: Points can be redeemed for fuel, shopping, travel, and more.

Redemption Options

Redeem reward points for fuel, shopping, travel, and lifestyle products.
Fuel cashback is credited monthly for use at HPCL pumps.

Ideal User Profile

Individuals who frequently refuel at HPCL outlets.
Utility and grocery shoppers looking to maximize rewards.
Movie enthusiasts who want discounts on tickets.
Users seeking a low-fee, value-driven credit card with practical lifestyle perks.

Final Thoughts

The ICICI Bank HPCL Coral Credit Card is a smart, budget-friendly choice for those who want to save on fuel, utility, and grocery expenses. With its generous cashback and complimentary lifestyle perks, it delivers excellent value for regular users. For those who frequently use HPCL pumps and want a card that rewards everyday spending.

Additional Tips for Applicants

Eligibility: Indian citizen aged 21 or above, earning ₹20,000/month (salaried) or ₹2,40,000/year (self-employed).
Plan your annual spends to qualify for the annual fee waiver.
Maximize rewards by using the card for all fuel, utility, and grocery purchases.
Take advantage of movie discounts and dining offers.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the ICICI Bank HPCL Coral Credit Card aligns with their

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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