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ICICI Bank HPCL Coral Credit Card VS IndianOil HDFC Bank 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 HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹199 + GST
₹500 + GST
Renewal Fee
₹199 + GST
₹500 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% of transaction amount.
3.5% markup on all international and cross-currency transactions.
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 (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
Not Applicable
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
₹99 + GST applies for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
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.
Not Applicable
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% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

IndianOil HDFC Bank 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 HDFC Bank Credit Card is a co-branded RuPay credit card designed for fuel enthusiasts. It offers significant rewards in the form of Fuel Points, allowing cardholders to earn up to 50 litres of free fuel annually, especially at IndianOil outlets. Benefits include accelerated points on groceries and bill payments, easy UPI linkage, and potential fee waivers based on spending. This card provides a strong value proposition for everyday fuel and utility 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.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

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.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

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.