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ICICI Bank
ICICI HPCL Coral
VISA
🇮🇳 India · ICICI Bank

ICICI HPCL Coral

Fuel-heavy spenders at HPCL pumps.

4 / 5
Joining fee
₹199
Annual fee
₹199
Top reward
5%
Min income
₹250,000

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5-year value calculator

How much ICICI HPCL Coral actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards15,600
Annual fee0 (waived ✓)
Cumulative net value
+78,000
over 5 years
Year 1
15,600
+15,600/yr
Year 2
31,200
+15,600/yr
Year 3
46,800
+15,600/yr
Year 4
62,400
+15,600/yr
Year 5
78,000
+15,600/yr
Year 1 (with bonus)
15,600
Year 2+ (steady state)
15,600/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

fuel
5%
📈
Everything else
1%
📈
🎁
Welcome bonus

2,000 PAYBACK points on first transaction

What you get

  • 5% cashback on HPCL fuel
  • 4% on grocery + dining
  • 2.5% on utility bills via DragonPass
  • 1% fuel surcharge waiver
  • 2 domestic lounge visits/year

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹250,000
Min credit score
720+
Self-employed
Eligible