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

Fees & Charges

Joining Fee
₹199 + GST
₹449 + GST
Renewal Fee
₹199 + GST
₹449 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Annual fee of ₹449 waived on spending ₹50,000 or more in the 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.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.

Rewards & Benefits

Welcome Bonus
Not Applicable
1000 Reward Points on spending INR 500 or more 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 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Not Applicable
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

IndianOil Kotak 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 Kotak Credit Card is a co-branded fuel credit card offering significant savings on IndianOil fuel, with up to 5% value back. It provides accelerated rewards on dining and groceries, a welcome bonus of 1000 Reward Points, and a 1% fuel surcharge waiver. Ideal for frequent travelers and new credit users, the card also includes personal accident insurance and flexible redemption options.

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.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

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.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

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.