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ICICI Bank HPCL Coral Credit Card VS IDFC HPCL First Power Plus 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: 26 July 2026

Both ICICI Bank HPCL Coral Credit Card and IDFC HPCL First Power Plus 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. IDFC HPCL First Power Plus Credit Card costs ₹499 + GST and earns up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail. IDFC HPCL First Power Plus Credit Card also brings complimentary access once per quarter on minimum monthly spends of ₹20,000. 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 Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹1,999 + GST
Renewal Fee₹199 + GST
Renewal Fee₹1,999 + GST
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waiver on spending ₹1.5 Lakhs in the previous year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees1.99% + GST
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.
Interest Rate (APR)0.00% to 3.50% per month (0% for up to 48 days).

Rewards & Benefits

Welcome Bonus
Welcome Bonus₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
Rewards Rate5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback, Other Benefits
Reward Redemption Fee₹99 + applicable taxes per redemption request.
Reward Redemption FeeNo reward redemption fee.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsComplimentary domestic airport lounge access & roadside assistance.
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 Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
Cash Advance Charges₹199 + GST or 2.5% of the amount, whichever is higher.
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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 Plus 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 HPCL First Power Plus Credit Card is a premium fuel credit card designed for daily commuters and high fuel spenders. It offers maximum fuel benefits with extensive everyday rewards, providing annual savings of up to ₹18,500. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic airport lounge access, and comprehensive insurance covers. This card is ideal for individuals seeking significant savings on fuel and a range of lifestyle benefits.

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.

Maximum fuel benefits with extensive everyday rewards, saving up to ₹18,500 annually.

Enjoy complimentary domestic airport lounge access and roadside assistance.

Benefit from a low foreign currency markup of 1.99% and 0% interest on cash withdrawals.

Generous welcome benefits worth ₹2500 including fuel vouchers and brand vouchers.

Annual fee waiver on spending ₹1.5 Lakhs, making it cost-effective for regular users.

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.

The annual fee of ₹1,999 + GST is relatively high for a fuel-focused card.

Lounge access is limited to domestic airports and requires a minimum spend.

Reward points on fuel are capped, limiting benefits for very high spenders.

Welcome benefits require specific transaction types and spend thresholds to unlock.

The card lacks international lounge access, which is a drawback for global travelers.

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 Plus Credit Card(opens in new tab)