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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.
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Last updated: 30 September 2026

Both ICICI Bank HPCL Coral Credit Card and IndianOil HDFC Bank 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. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. IndianOil HDFC Bank Credit Card also brings zero Lost Card Liability protection against fraudulent transactions upon reporting card loss. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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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
Joining Fee₹500 + GST
Renewal Fee₹199 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Spend Based WaiverRenewal Fee is waived on annual spends of ₹50,000 or above in the previous year/card anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount on all International / Cross currency transactions.
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.
Interest Rate (APR)3.75% per month (45% per annum). Overdue interest charges are up to 3.49% per month (41.88% annually).

Rewards & Benefits

Welcome Bonus
Welcome BonusVoucher worth ₹250 upon card activation and completion of at least one transaction within 37 days.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
Rewards RateEarn 5% Fuel Points on IndianOil outlets, groceries, and bill payments (capped). 1 Fuel Point on every ₹150 spent on other purchases.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + applicable taxes per redemption request.
Reward Redemption Fee₹99 + GST.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
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% waiver across all petrol pumps on a minimum transaction of ₹400. Maximum waiver of ₹250 each statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately to HDFC Bank.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
Cash Advance Charges2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
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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 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 IndianOil HDFC Bank Credit Card is a co-branded fuel credit card designed for high fuel spenders, offering significant savings on fuel purchases, groceries, and utility bills. It provides up to 50 liters of free fuel annually and accelerated 5% Fuel Points at IndianOil outlets. Operating on the RuPay network, it also supports UPI linking for convenient mobile payments. This card is ideal for those seeking substantial rewards on everyday essential spending.

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.

Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.

Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.

Provides significant annual savings with the potential to earn up to 50 liters of free fuel.

Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.

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.

Monthly capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.

Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.

High foreign currency markup of 3.5% makes international transactions expensive for cardholders.

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

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.
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