Verified — 16/16 categories
ICICI
ICICI HPCL Coral
Best forFuel & Shopping
Earns2.5% cashback on fuel — only at HPCL outlets / HP Pay
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Network
Not recorded
ICICI
ICICI HPCL Coral
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on fuel and shopping, where it earns 2.5% cashback (only at HPCL outlets / HP Pay)
- Annual fee is waived at ₹50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
FuelOnly at HPCL outlets / HP Pay2.5% cashback
Shopping2 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Standard card reward rate appliesDetails
|
| Insurance | — | — | Insurance reward rate 1 RP/₹100, capped at 40,000 RP per statement cycleDetails
|
| Utilities | — | — | Utility reward rate 1 RP/₹100, capped at 40,000 RP per statement cycleDetails
|
| Fuel | 2.5% cashback | ₹100 per month | Only at HPCL outlets / HP PayDetails
|
| Groceries | — | — | Standard retail reward rate appliesDetails
|
| Dining | — | — | Standard verified reward rate for ICICI HPCL Coral on DiningDetails
|
| Food Delivery | — | — | Standard verified reward rate for ICICI HPCL Coral on Food DeliveryDetails
|
| Shopping | 2 RP/₹100 | — | Standard card retail shopping reward rate appliesDetails
|
| Travel | — | — | Standard card travel reward rate appliesDetails
|
| Government | — | — | Standard verified reward rate for ICICI HPCL Coral on GovernmentDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for ICICI HPCL Coral on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for ICICI HPCL Coral on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for ICICI HPCL Coral on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for ICICI HPCL Coral on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Reward caps
- Fuel — ₹100 / month (per category — Fuel)
Key benefits
Rewards
2.5% cashback on fuel (only at HPCL outlets / HP Pay)
Fuel surcharge waiver
2.5% fuel cashback (capped ₹100/mo) + 1% fuel surcharge waiver
Fee waiver
Annual fee waived on ₹50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (2.5% cashback) applies only at HPCL outlets / HP Pay — not to all fuel spends
- Fuel rewards are capped at ₹100 / month (per category — Fuel)
- No reward on: Rent, Wallet
Who should consider this card
✓ Good fit if
- Your spending is concentrated in fuel, shopping
- You regularly spend only at HPCL outlets / HP Pay
- You can reach the ₹50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, wallet, which earn nothing
- Your spending is not only at HPCL outlets / HP Pay
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 2 no-reward categories
Caps
- Fuel — ₹100 / month (per category — Fuel)
Categories with no reward or not eligible
- Rent — No reward.
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to ICICI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 2.5% fuel cashback (capped ₹100/mo) + 1% fuel surcharge waiver
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
SRC-ICICI-MITC · SRC-ICICI-MITC