ICICI Bank HPCL Coral Credit Card Review  

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29.07.2025 09:25 PM - Comment(s)

ICICI Bank HPCL Coral Credit Card

ICICI Bank HPCL Coral Credit Card – fuel surcharge waiver, HPCL fuel savings, cashback and rewards details
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Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And 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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Fees And Charge Table

Card Essential

 Type:- Rewards Points

____________________________________

 Welcome Benefits:-  ----
____________________________________
Joining Fee:- ---- 
____________________________________
  Annual Fee:- ₹199 + GST
____________________________________
 Reward Structure:- Rewards On SPENDS
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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.

CDMS EXPERT ADVICE

Fuel savings are rewarding, but carrying unpaid balances can offset those gains. Seek expert financial advice from CDMS at cashon.cards to manage credit obligations efficiently and maintain lasting financial control.

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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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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