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ICICI Bank HPCL Coral Credit Card VS IndianOil Axis Bank Premium 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
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank Premium Credit Card

Fees & Charges

Joining Fee
₹199 + GST
₹1,000 + GST
Renewal Fee
₹199 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Foreign Transaction Fees
3.5% of transaction amount.
3.50% of transaction value for foreign currency spends.
Interest Rate (APR)
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.
3.75% Per Month (55.55% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Not Applicable
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
Nil charges for redeeming EDGE Miles.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
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.
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
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 (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
2.5% of withdrawn amount (minimum ₹500) for cash advances.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

IndianOil Axis Bank Premium 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 IndianOil Axis Bank Premium Credit Card is tailored for individuals frequently spending on fuel, offering accelerated rewards at IndianOil outlets. It provides comprehensive benefits, including grocery rewards, domestic airport lounge access, and dining discounts on Zomato and Eazydiner. This card is an excellent choice for those prioritizing fuel savings and lifestyle perks, while offering a well-rounded rewards program for everyday expenses.

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.

Excellent choice for frequent commuters with generous 6X EDGE Miles on IndianOil fuel purchases.

Well-rounded rewards program providing 2X EDGE Miles on grocery and daily spending needs.

Valuable travel perk with 2 complimentary domestic airport lounge visits each quarter.

Significant lifestyle benefits, including a 30% discount on food deliveries via Zomato.

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.

Domestic lounge access is conditional on spending ₹50,000 in the preceding three months.

Accelerated EDGE Miles for fuel and groceries have monthly spending caps for maximum benefits.

No EDGE Miles are earned on key categories like utilities, insurance, wallets, and rent payments.

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.