ICICI Bank HPCL Coral Credit Card

Lounge access

• Complimentary airport lounge access unlocked by spending ₹75,000 in the preceding calendar quarter (spends in one quarter unlock access for the subsequent quarter), w.e.f. Jan 01, 2025.
• (Membership Guide states one complimentary access per quarter to select airport lounges and one per quarter to railway lounges in India, subject to minimum ₹5,000 spend in a calendar quarter.).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Forex markup

• Foreign currency transactions mark-up of 3.50%.
• A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Charge

• Finance charges 3.75% per month (45% p.a.) on retail and cash advances.
• APR same for retail purchases, balance transfer, cash advances, non-payment of minimum amount due and late payment.
• Cash advance transaction fee 2.5% of amount (min ₹500).
• Card replacement fee ₹100 (₹200 w.e.f. Jul 1, 2024).
• Supplementary/Add-on card fee ₹199 (annual, w.e.f. Nov 15, 2024).
• Dynamic Currency Conversion fee 1% (3.5% w.e.f. Jan 15, 2026) on Indian-currency transactions at international locations/foreign-registered merchants in India.
• Rent Pay 1% (MCC 6513).
• Fuel transaction fee 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment fee 1% for third-party app payments (w.e.f. Nov 15, 2024).
• Skill-based gaming fee 2% (w.e.f. Jan 15, 2026).
• Wallet load fee 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Over-limit charges 2.50% of over-limit amount (min ₹550).
• Fee on cash payment at branches ₹100 per transaction (₹150 w.e.f. Jan 15, 2026).
• Railway booking surcharge 1.80% (Internet) / 2.50% (other).
• Late payment charges: None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-Debit return fee 2% of Total Amount Due (min ₹500) plus ₹50 + GST.
• GST 18%.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Interest-free period

• Interest-free period could range from 18 to 48 days.
• A grace period of 3 days will be given after the payment due date.
• No interest-free period applies if Total Amount Due is not paid by the payment due date plus 3 days grace.
• Not applicable to cash advances.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Fuel surcharge waiver

• 2.5% cashback on fuel purchases at HPCL fuel pumps (capped at ₹100 per month; minimum transaction ₹500), PLUS 1% fuel surcharge waiver (over and above the cashback) at HPCL outlets via any ICICI Bank POS machine for transactions between ₹400 and ₹4,000.
• Fuel surcharge waiver applicable up to ₹50,000 spends per statement cycle.

Verified · harvested from product page · 2026-08-03 · source

Milestone benefit

• BookMyShow offer: enjoy the offer on the Credit Card by spending ₹25,000 or more in the preceding quarter (w.e.f. Jan 15, 2026).
• This cycle repeats every quarter.
• (ICICI Bank HPCL Credit Card, all variants, is eligible for this offer.).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Redemption value

• Redemption handling fee of ₹99 (plus GST) per redemption request under the ICICI Bank Rewards Scheme.
• ₹99 for catalogue-based redemptions and ₹25 for online and in-store redemptions at Online Partner Brands.
• Reward Points are credited within 45 business days of statement generation and expire 36 months from date of issuance.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Reward cap

• Reward Points accrued per statement cycle capped for ICICI Bank HPCL Coral Credit Card: Utility Spend ₹40,000.
• Insurance Spend ₹40,000.
• Grocery and Departmental Spend ₹20,000 (w.e.f. Nov 15, 2024).
• Transportation Transaction capped at ₹10,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Reward exclusion

Verified · harvested from product page · 2026-08-03 · source

Dining benefit

Exclusive dining offers and discounts at leading restaurants across India through the ICICI Bank Culinary Treats Programme.

Verified · Coral Credit Card Membership Guide (includes Terms & Conditions and MITC reference; covers HPCL Coral family) · 2026-08-03 · source

Insurance

• ICICI Bank offers free insurance cover on certain cards through a tie-up with ICICI Lombard General Insurance Company Limited or any other insurer as decided by ICICI Bank from time to time.
• The policy is governed by the terms and conditions of ICICI Lombard.
• Claim queries to be taken up directly with ICICI Lombard (Toll-Free: 1800-2666).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Coral), last updated Jul 2, 2026 · 2026-08-03 · source

Eligibility

You can present up to two supplementary cards to your parents, spouse, children or siblings above the age of 18 years.

Verified · Coral Credit Card Membership Guide (includes Terms & Conditions and MITC reference; covers HPCL Coral family) · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-coral-credit-card.

Verified · harvested from product page · 2026-08-03 · source