ICICI HPCL Coral Credit Card

A ₹4,000 fuel month on HPCL Coral

Say you fill ₹4,000 of petrol a month at HPCL. The card pays 2.5% cashback, which is ₹100, and that is also the monthly cap. Add the 1% fuel surcharge waiver and you save about ₹140, close to 3.5%. That is the best case, and it is why people get this card.

Now push fuel to ₹8,000. The cashback still stops at ₹100, so your return drops to roughly 2.25%. Add ₹20,000 of regular shopping at 2 reward points per ₹100 and you earn 400 points. If a point is worth about ₹0.25, a value often quoted for ICICI points but not confirmed for this card, that is around ₹100. So a ₹28,000 month earns about ₹280 in total. Good on fuel, thin everywhere else.

This page covers the HPCL fuel co-brand. It is not the plain ICICI Bank Coral Credit Card, which is the Coral with lounge access.

Why your fuel cashback might not show up

This is the complaint that comes up most, in 7 of the 15 threads in our sentiment report. Users say the cashback and waiver often fail when the pump attendant swipes on another bank's machine.

What users say works:

• Link the card in the HP Pay app and pay by scanning the HP Pay QR. Four threads call this the most reliable route.
• If you swipe, ask for an ICICI Bank terminal.
• Keep each fill at ₹500 or more, the minimum for cashback.
• Check your first statement before you trust the card for every fill.

One 2024 thread says the ICICI machine rule was relaxed, but newer threads still describe swipes that earn nothing. Treat HP Pay as the safe default.

Does ICICI HPCL Coral have lounge access?

No. Lounge access belongs to the plain Coral card. If you see an "HPCL card with 4 international and 4 domestic visits", that is a different ICICI HPCL card, not this one. For the plain Coral's list, see the ICICI Coral lounge access list.

The ₹199 fee and the ₹50,000 waiver

Joining and annual fees are ₹199 + GST each. Spend ₹50,000 in a year, about ₹4,200 a month, and next year's fee is waived. Many existing ICICI customers get it as a pre-approved lifetime-free offer in iMobile instead. Users warn that agents sometimes promise lifetime free and a fee posts anyway, so screenshot the offer screen.

Two smaller perks: 25% off BookMyShow tickets, up to ₹100, twice a month, and up to 15% off at Culinary Treats restaurants. Five threads also mention that the limit is shared with their other ICICI cards, so it adds no spending power.

Is ICICI HPCL Coral worth it?

Get it if you fill at HPCL, will use HP Pay, and spend around ₹4,000 a month on fuel. At ₹199, or free, it pays for itself fast. It also works as a spare ICICI card for sale-day bank discounts.

Skip it if you want one fuel card that works at any terminal without workarounds, or if your fuel bill is well above ₹4,000. Users who spend more often prefer the BPCL SBI Card OCTANE, and ICICI's own higher HPCL tier is the HPCL Super Saver.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva