ICICI Bank HPCL Coral Credit Card
ICICI Bank
The lowest-fee option on this list, built specifically around fuel savings at HPCL.
₹199
Joining fee
₹199, waived at ₹50k spend
Annual fee
Waived if annual spend exceeds Rs 50,000 in the previous year (Rs 199 fee).
3.5%
Forex markup
4.1 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min Rs 20,000/month or self-employed min Rs 2,40,000/year; Indian citizen
Lounge access
Note: Official page does not mention any lounge access. Paisabazaar claims 'unlimited free airport lounge access (limited-time offer)' — consistent with a recurring pattern across other cards where Paisabazaar markets its own PB Pass lounge product as if it were a card feature. Treated as not a confirmed card benefit given the official page's silence and the 'limited-time offer' framing.
Key features
- Up to 3.5% savings at HPCL pumps
- 1% fuel surcharge waiver
- 2 pts/₹100 retail
- 25% off movie tickets (cap ₹100)
Reward details
2 points per Rs 100 retail spend
- up to 3.5% total (2.5% cashback capped at Rs 100/month plus 1% fuel surcharge waiver on Rs 400-4,000 transactions) on Fuel savings at HPCL pumps — Rs 100/month cashback portion
Category caps
- Utilities/insurance: 1 point per Rs 100
Redemption
Health, travel, shopping, electronics, lifestyle categories
- 25% off up to Rs 100 on BookMyShow movie tickets, twice monthly, gated by Rs 25,000+ quarterly spend
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee makes the card accessible; fuel benefits reward regular HPCL customers; rewards on utilities/insurance spend are unusual for an entry-level card — Paisabazaar
Complaints
- 'Very low capping on fuel and movie benefits'; lacks the 'Happy Coins' loyalty currency found on competing HPCL-branded cards; minimal returns on grocery/departmental store spend — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — lounge, rewards, sentiment