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ICICI Bank HPCL Platinum Credit Card VS ICICI Bank HPCL Coral 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: 18 July 2026

Both ICICI Bank HPCL Platinum Credit Card and ICICI Bank HPCL Coral Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Platinum Credit Card costs ₹199 + GST and earns 2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends. 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. ICICI Bank HPCL Platinum Credit Card also brings 2 spa sessions at selected Indian airports annually through Dreamfolks membership. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹199 + GST
Renewal Fee₹199 + GST
Renewal Fee₹199 + GST
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Foreign Transaction Fees3.50% on all foreign currency spends.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.40% per month (equivalent to 40.8% annually).
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption Fee₹99 + applicable taxes per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
International Lounge Access
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Travel Benefits
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Movie Benefits25% discount, up to ₹100, on movie tickets via BookMyShow, twice a month (conditional on ₹25,000 quarterly spend).
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Dining BenefitsUp to 15% discount on dining across over 800 participating restaurants through the Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.
Fuel Surcharge Waiver1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Platinum Credit Card

ICICI Bank HPCL Coral Credit Card

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

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.

Pros

Key benefits and features.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

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.

Cons

Key drawbacks and limitations.

The card has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

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.

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)