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ICICI Bank HPCL Coral Credit Card VS IDFC HPCL FIRST Power 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: 25 July 2026

ICICI Bank HPCL Coral Credit Card and IDFC HPCL FIRST Power Credit Card take different approaches to fees and rewards. 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. IDFC HPCL FIRST Power Credit Card costs an annual fee and earns not Applicable. 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
IDFC HPCL FIRST Power Credit Card
IDFC HPCL FIRST Power Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹199 + GST
Renewal Fee₹199 + GST
Renewal Fee₹199 + GST
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived on spends of ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% foreign currency markup.
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.
Interest Rate (APR)Dynamic APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
Welcome BonusWelcome benefits worth ₹2,250 including ₹250 on first HPCL fuel transaction & 5% cashback on first EMI conversion.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
Rewards RateUp to 5% savings on fuel (21X points), 2.5% on groceries/utilities/FASTag (15X points), 2X on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Other Benefits
Reward Redemption Fee₹99 + applicable taxes per redemption request.
Reward Redemption Fee₹99 + taxes per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsBonus Reward Points on hotel/flight bookings via app; discounts on Yatra for flights, hotels & bus.
Movie Benefits25% discount, up to ₹100, on movie tickets via BookMyShow, twice a month (conditional on ₹25,000 quarterly spend).
Movie Benefits
Dining BenefitsUp to 15% discount on dining across over 800 participating restaurants through the Culinary Treats Programme.
Dining Benefits15% off on food bill at various restaurants (not valid on Buffet & Alcoholic Beverages).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits₹2 Lakh Personal Accident Cover & ₹25,000 Lost Card Liability Cover.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
Cash Advance Charges₹199 per transaction; interest-free for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

IDFC HPCL FIRST Power 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 IDFC FIRST Power Credit Card is an excellent entry-level fuel-focused card, designed for vehicle owners looking to maximize savings on their mobility and daily expenses. With a low joining and annual fee, which can be easily waived with moderate annual spending, it offers great value. The card provides up to 5% savings on fuel, along with rewards on groceries, utilities, and FASTag recharges, contributing to annual savings of up to ₹7,000. It also includes essential benefits like complimentary roadside assistance and insurance covers. This card is highly recommended for budget-conscious individuals who frequently refuel at HPCL stations and want to earn rewards on their essential household and travel spends.

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 substantial savings of up to 5% on fuel, groceries, and utility bill payments.

Features a low joining and annual fee, easily waived with moderate annual spending.

Provides essential benefits like complimentary roadside assistance and insurance covers.

Allows UPI transactions directly from the credit card, earning reward points.

Enjoy interest-free ATM cash withdrawals for up to 45 days, a unique benefit.

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.

Lacks complimentary domestic or international airport lounge access benefits.

A redemption fee of ₹99 + taxes is charged for redeeming reward points.

High foreign currency markup of 3.5% makes international spends expensive.

No specific movie or dining discounts are explicitly highlighted for this variant.

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 IDFC HPCL FIRST Power Credit Card(opens in new tab)