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ICICI Bank HPCL Coral Credit Card VS BPCL SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both ICICI Bank HPCL Coral Credit Card and BPCL SBI Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Coral Credit Card costs ₹199 + GST and earns 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. BPCL SBI Credit Card also brings get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹499 + GST
Renewal Fee₹199 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee₹99 + applicable taxes per redemption request.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits25% discount, up to ₹100, on movie tickets via BookMyShow, twice a month (conditional on ₹25,000 quarterly spend).
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining BenefitsUp to 15% discount on dining across over 800 participating restaurants through the Culinary Treats Programme.
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

BPCL SBI Credit Card

Who is it for?

The ICICI Bank HPCL Coral Credit Card is ideal for vehicle owners seeking significant fuel savings at HPCL pumps. It offers attractive discounts on movie tickets via BookMyShow and dining offers through the Culinary Treats Programme. With low fees and an achievable spend-based waiver, this card provides excellent value for everyday essential spending. Its co-branded nature ensures maximum benefits for fuel transactions, making it a top choice for its target audience.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Significant savings up to 3.5% on fuel transactions at HPCL pumps.

Low joining and annual fees of ₹199 + GST with an achievable waiver.

Enjoy 25% discount on movie tickets via BookMyShow, twice monthly.

Valuable dining offers through the Culinary Treats Programme.

Reward points can be redeemed for fuel, products, and shopping vouchers.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

Fuel purchases are explicitly not eligible for earning reward points.

A rewards redemption fee of ₹99 + taxes applies per request.

High foreign currency markup of 3.5% on international transactions.

Movie benefit eligibility is conditional on a quarterly spend threshold.

High interest rates on cash advances and outstanding balances.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for ICICI Bank HPCL Coral Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)