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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.

Features

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
₹199 + GST
Renewal Fee
₹199 + GST
₹199 + GST
Spend Based Waiver
Renewal fee waived on spending Rs. 50,000 or more in the preceding year.
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Foreign Transaction Fees
3.50% on all foreign currency spends.
3.5% of transaction amount.
Interest Rate (APR)
3.40% per month (or 40.8% annually).
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.

Rewards & Benefits

Welcome Bonus
Not Applicable
Not Applicable
Rewards Rate
2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends.
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
Rs. 99 on every reward redemption request.
₹99 + taxes per redemption request.

Travel & Lifestyle

Domestic Lounge Access
2 spa sessions at selected Indian airports annually through Dreamfolks membership.
Not Applicable
International Lounge Access
2 complimentary airport lounge visits outside India per year via Dreamfolks membership.
Not Applicable
Travel Benefits
Complimentary Dreamfolks membership, 2 international lounge visits & 2 spa sessions annually.
Not Applicable
Movie Benefits
Rs. 100 off on movie tickets via BookMyShow, twice monthly.
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Dining Benefits
Min. 15% savings on dining bills via ICICI Bank Culinary Treats Programme at 2,500+ restaurants.
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver at all HPCL pumps for transactions up to Rs. 4,000.
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of transaction amount or Rs. 300, whichever is higher.
2.5% of amount withdrawn, minimum ₹300.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 ideal for frequent fuel spenders, offering 2.5% cashback on HPCL fuel and a 1% fuel surcharge waiver. With a nominal fee of Rs. 199 (which can be waived), it also provides benefits like movie discounts, dining savings via Culinary Treats, and complimentary international lounge access through Dreamfolks membership. This card is a cost-effective choice for everyday savings across various categories.

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.

Pros

Key benefits and features.

Attractive 2.5% cashback on fuel purchases at HPCL and a 1% fuel surcharge waiver, leading to significant savings.

Nominal joining and annual fee of Rs. 199, easily waived by spending Rs. 50,000 in the preceding year.

Valuable benefits like movie discounts, dining savings through Culinary Treats, and international lounge access.

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.

Cons

Key drawbacks and limitations.

Fuel cashback is capped at only Rs. 100 per month, limiting savings for high spenders on fuel.

A redemption fee of Rs. 99 is charged on every reward redemption request, reducing overall value.

High foreign currency markup of 3.50% makes it unsuitable for frequent international transactions.

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.

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.