Up to 3.5% total savings on HPCL fuel (2.5% cashback + 1% surcharge waiver, capped at ₹100/month)
25% off on movie tickets up to ₹100 (2 times/month)
Earn 2 reward points per ₹100 on retail spends
Earn 1 reward point per ₹100 on utility & insurance spends
Annual fee waiver on spending ₹50,000 in previous year
Reward points redeemable across categories like travel, vouchers, electronics, etc.
Fees
Joining FeeThere is no direct joining fee waiver on the ICICI HPCL Coral Credit Card; however, you receive welcome reward points (around 2,000 points) on payment of the joining fee, which can be redeemed for fuel or other rewards, helping offset the cost over time.
₹235
₹199 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹235
₹199 + GST
Eligibility
Age
21-65 years
Salary
₹20K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (55.55% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 + GST cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
₹50000 and above
₹1300
Late payment charges apply if the Minimum Amount Due is not paid by the due date.
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application.
