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ICICI Bank HPCL Coral Credit Card

The ICICI Bank HPCL Coral Credit Card is designed for frequent fuel users, offering savings of up to 3.5% on fuel purchases. Cardholders also earn rewards on everyday spends and enjoy a 25% discount on movie tickets, making it a practical option for regular commuters and entertainment seekers.

ICICI Bank HPCL Coral Credit Card

About ICICI Bank HPCL Coral Credit Card

The ICICI Bank HPCL Coral Credit Card is a co-branded option designed for users who mostly refuel at HPCL petrol pumps. With an affordable annual fee of Rs. 199, it gives consistent fuel savings of around 3.5% when combining reward earnings and surcharge waiver. A key highlight is that it offers reward points even on categories where many entry-level cards restrict earnings, such as utility bill payments and insurance premiums.

For lifestyle perks, cardholders get access to discounted movie bookings through BookMyShow and dining offers under ICICI Bank’s Culinary Treats program, adding extra value beyond fuel benefits.

HPCL has partnered with multiple banks to offer similar fuel cards—including IDFC FIRST Bank, Bank of Baroda, and Union Bank of India—along with another ICICI variant, the ICICI HPCL Super Saver Card. Among these, the HPCL Coral most closely matches IDFC FIRST Power in terms of fee and positioning. While both come with a low Rs. 199 annual cost, IDFC’s option offers a higher overall return at 5%, boosted by additional HappyCoins, which the Coral variant does not provide. IDFC FIRST Power also extends better rewards across everyday categories like groceries, utilities, and FASTag, along with valuable welcome benefits that exceed the card fee. The Coral variant, however, has an advantage for users who want movie-related privileges.

Note: This card cannot be applied for via Paisabazaar. For application or more details, please visit the official ICICI Bank website.

Fuel Benefits

Save up to 3.5% on your fuel expenses at HPCL outlets:

  • 2.5% value-back through reward points:
    Earn reward points equivalent to 2.5% cashback on eligible fuel transactions. The maximum benefit you can receive under this feature is Rs. 100 per month, and each transaction must be Rs. 500 or more to qualify.
  • 1% fuel surcharge waiver:
    Get a complete waiver of the 1% fuel surcharge on transactions ranging from Rs. 400 to Rs. 4,000 when you refuel exclusively at HPCL fuel stations.

Other Features and Advantages

Along with fuel savings, the card also offers several additional benefits:

Rewards Structure

  • Earn 2 reward points for every Rs. 100 spent on regular domestic or international purchases.
  • Receive 1 reward point per Rs. 100 spent on categories like groceries, utilities, telecom bills, government payments, taxes, and departmental stores.

Fee Waiver

  • The annual fee is waived when your spending in the previous card year reaches Rs. 50,000.

Dining Benefits

  • Enjoy discounts at partner restaurants through ICICI Bank’s Culinary Treats dining program.

Movie Privileges

  • Get 25% off on movie tickets booked via BookMyShow, with savings of up to Rs. 100, available twice each month.

ICICI Bank HPCL Coral Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

ICICI HPCL Coral: Fees & Charges

Fee Type Amount
Joining Fee Rs. 199
Annual Fee Rs. 199
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Key Points to Consider Before Applying

This card is a good fit for you if:

  • You’re looking for a budget-friendly fuel credit card with essential benefits.

  • You usually fill fuel at HPCL outlets.

  • You already use other credit cards but don’t get rewards or cashback on fuel purchases.

Basic Eligibility Criteria:

  • Minimum Age: 21 years

  • For Salaried Applicants: Monthly income of at least Rs. 20,000

  • For Self-Employed Applicants: Annual income of Rs. 2.4 lakh or more

Steps to Close ICICI Bank HPCL Coral Credit Card

If you want to permanently deactivate your ICICI Bank HPCL Coral Credit Card, it is important to follow the official process to ensure a smooth and secure closure experience. You can use either online banking or customer support to place your request.

Close via Net Banking

  • Log in to your ICICI Bank net banking account using your registered user ID and password
  • Go to the “Cards” or “Accounts” section on the dashboard
  • Select your HPCL Coral Credit Card from the list of active cards
  • Click on the option related to card closure or deactivation
  • Follow the on-screen instructions and submit your request
  • The bank will review and process your request after verification

Close via Customer Care

  • You can also request closure by contacting ICICI Bank customer support
  • Inform the customer care executive that you wish to close your credit card
  • Provide necessary details such as your registered mobile number, date of birth, and last four digits of your card
  • Complete the verification process as guided by the representative

Important Points to Consider

  • Ensure all outstanding dues including purchases, EMIs, interest, and charges are fully paid before requesting closure
  • Redeem all reward points, cashback, or benefits, as they may expire after the account is closed
  • Cancel all auto-debits, subscriptions, and standing instructions linked to the card
  • Avoid using the card once the closure request has been submitted
  • Keep track of confirmation messages or emails from the bank regarding your request

After Card Closure

  • Once you receive confirmation, destroy the card by cutting it across the chip and magnetic strip
  • Check your credit report after a few weeks to verify that the account status is updated as “Closed”
  • If you notice any incorrect information, contact the bank immediately for correction

ICICI Bank HPCL Coral Credit Card Helpline Number

If you require assistance related to your ICICI Bank HPCL Coral Credit Card, you can contact the customer support team of ICICI Bank. The bank offers support for billing queries, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Numbers (India)

  • Toll-Free Number: 1800 1080
    This number is available round the clock for general banking and credit card assistance

Support for Customers Travelling Abroad

  • International Helpline: +91-22-33667777
    This number can be used when calling from outside India

NRI Customer Support

Email Support

  • Customer Care Email: customer.care@icicibank.com
    You can send your queries or service requests using your registered email ID for faster resolution

Services Available

  • Support for billing and statement-related queries
  • Assistance with payments and outstanding balance details
  • Information regarding reward points and card benefits
  • Help with reporting lost or stolen credit cards
  • Card blocking, replacement, or reissue requests
  • Guidance for credit card closure or cancellation

Important Tips

  • Always use official contact details for secure communication
  • Keep your registered mobile number and card details ready for verification
  • Do not share confidential information such as OTP, PIN, or CVV with anyone
  • Make sure to note your complaint or reference number for future follow-up

FAQs

How can I apply for the ICICI Bank HPCL Coral Credit Card?

You can submit an application online through the ICICI Bank website. It is also possible to apply in person by visiting any ICICI Bank branch.

A 1% surcharge waiver is offered only on fuel payments between Rs. 400 and Rs. 4,000, and the benefit is limited to HPCL fuel stations.

You’ll receive SMS updates on your registered mobile number. You can also check the status online using your application number on the bank’s official site or contact ICICI Bank’s credit card customer support for assistance.

Applications may be turned down if the required criteria aren’t met. You must be at least 21 years old and earn a minimum of Rs. 20,000 per month. The bank may also assess your credit history, repayment behaviour, and overall credit profile.

A cash advance attracts a fee of 2.5% of the amount withdrawn, with a minimum charge of Rs. 500, plus finance charges of 3.75% per month. Since these charges are high, cash withdrawals through credit cards are generally best avoided.