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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.

Features

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
₹199 + GST
Renewal Fee
₹199 + GST
₹199 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Annual fee waived on ₹50,000+ spends in previous anniversary year.
Foreign Transaction Fees
3.5% of transaction amount.
3.5%.
Interest Rate (APR)
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.
Dynamic rates from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
Not Applicable
Welcome benefits valued at ₹2,250, including ₹250 on first HPCL fuel and 5% cashback on first EMI.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Up to 5% savings on fuel; 2.5% on grocery, utility & FASTag; 2X on UPI & other retail transactions.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
₹99 plus taxes.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Up to 8.67% savings on hotel & flight bookings via IDFC FIRST App. Discounts on Yatra for travel.
Movie Benefits
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Not Applicable
Dining Benefits
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Discounts on dining with partners like Swiggy, Zomato, Domino's, and select restaurants.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.
1% fuel surcharge waiver, capped at ₹100 per month. Some sources note accelerated rewards instead.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Cover ₹2,00,000, Lost Card Liability Cover ₹25,000.
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
₹199 per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
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 a co-branded card offering significant savings on fuel at HPCL pumps, along with attractive discounts on movies and dining. With low fees and an easy waiver condition, it's ideal for vehicle owners seeking value in everyday spending and entertainment. Its flexible reward system further enhances its appeal.

Who is it for?

The IDFC FIRST Bank HPCL FIRST Power Credit Card is a RuPay co-branded card offering significant savings on fuel, groceries, and utility expenses. Cardholders can save up to ₹7,000 annually. It provides welcome benefits up to ₹2,250 and allows users to earn non-expiring reward points on various purchases, along with flexible interest rates and 0% interest on ATM cash withdrawals until the due date. This card is ideal for daily spenders focused on fuel and household savings.

Pros

Key benefits and features.

Significant savings of up to 3.5% on fuel purchases at all HPCL petrol pumps.

Features a low joining and annual fee of just ₹199 + GST, making it economical.

Easily waive the annual fee by spending ₹50,000 or more in an anniversary year.

Enjoy attractive discounts on movie tickets via BookMyShow and dining offers.

Reward points are flexible, redeemable for various products, vouchers, or fuel.

Pros

Key benefits and features.

This card offers substantial savings on fuel, utility, and grocery expenses.

Enjoy flexible EMI conversions on purchases and balances, enhancing financial control.

Benefit from a low joining fee of ₹199 plus GST, making it easily accessible.

Reward points earned on the card never expire, providing long-term value.

Cons

Key drawbacks and limitations.

A relatively high foreign currency markup of 3.5% for international transactions.

High interest rates applicable on cash advances and outstanding balances.

Fuel purchases do not earn standard reward points, only specific cashback/waiver.

A redemption fee of ₹99 plus taxes is charged for each reward point redemption request.

Lacks premium travel benefits such as domestic or international lounge access.

Cons

Key drawbacks and limitations.

The card does not offer any complimentary domestic or international lounge access.

Golf benefits are not available with this card, limiting premium lifestyle perks.

The fuel surcharge waiver has conflicting information, making the actual benefit unclear.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.