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ICICI Bank

ICICI HPCL Coral

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Annual Fee

₹199

Reward Type

Points

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹199
Annual Fee₹199(waived ≥ ₹50,000)
Min Monthly Income₹20,000

Rewards

Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point

Category Multipliers

dining2%hpcl fuel6%(cap ₹250)

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

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HDFC 6E Rewards XL IndiGo (94%) →HDFC IndianOil (91%) →Bajaj Finserv RBL Bank SuperCard (91%) →IndianOil RBL Bank XTRA Credit Card (91%) →ICICI Taj Epicure Credit Card (90%) →

💡 Fee Waiver Strategy

Spend ₹50K/year to waive ₹199 fee.

⚖️ Breakeven Analysis

To recover the ₹199 annual fee at the base reward rate of 0.5%, you need to spend ₹39,800 annually.

🎯 Pro Tips

  • ▸6X reward points at HPCL fuel stations
  • ▸One of the lowest-fee fuel cards in the market
  • ▸Fuel surcharge waiver up to ₹200/month

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,251

Effective Rate

0.3%

Ranked #122 of 173 cards#122

₹199 annual fee deducted from gross rewards value.

🏷️ Best For

fueldiningco-branded