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ICICI Bank™ HPCL Coral American Express™ Credit Card
ICICI Bank™ HPCL Coral American Express™ Credit Card
Fees
Pros/Cons
Joining Perk
Eligibility
USP
2.5% cashback and 1% surcharge waiver on fuel at HPCL pumps*
ICICI Bank™ HPCL Coral American Express™ Credit Card

ICICI Bank™ HPCL Coral American Express™ Credit Card

Earn 3X or 6 Payback™ Points per ₹100 spent on fuel at HPCL pumps
₹199
Joining Fee

Available in 277 cities
Min Income - 17.5K/month
Fees
Pros/Cons
Joining Perk
Eligibility

Fees

₹199
Joining Fee
₹199
Annual Fee
Spend ₹50,000 or more annually on your Card and ICICI Bank will reverse your Annual Fee (₹199) for that year

Other Fee Benefits

  • Earn 3X or 6 Payback™ Points per ₹100 spent on fuel at HPCL pumps
  • Enjoy ₹100 discount on up to 2 movie tickets per month at bookmyshow™
  • Limited number of tickets are issued every day under this scheme and successful booking is on first come first serve basis until the daily limit is available.
  • Minimum 15% savings on dining at over 800 restaurants courtesy our Culinary Treats program.
  • Redeem 2,000 Payback Points for fuel worth ₹500
  • 2.5% cashback on fuel purchases at HPCL fuel pumps are applicable on minimum transaction value of ₹500
  • Save on 1% fuel surcharge – Waived for you at HPCL pumps. 1% fuel surcharge waiver can be availed on fuel transactions of maximum ₹4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.
  • Up to ₹100 Cashback on fuel purchases at HPCL pumps month on month, year on year can be availed when the Card is swiped on ICICI Merchant Services swipe machines.
  • Just ensure you spend ₹50,000 or more annually on your Card and ICICI Bank will reverse your Annual Fee (₹199) for that year.
  • All valid transactions in an anniversary year will be counted; any fee / charges will not be counted. The Card should not be canceled or delinquent at the time of positing the annual Fee reversal to be eligible for this offer. This is applicable for Annual Fee levy at the end of the first year and subsequent years.

Chqbook Review

The ICICI Bank™ HPCL American Express™ Credit Card has the same features as the Visa variant but also packs Domestic Airport lounge access which is missing in the Visa variant. The fee is low and other features are powerful – with 2.5% cashback on fuel purchases and a wiaver of the 1% fuel surcharge at HPCL pumps. The only downside with the Amex version is that it will operate only with American Express™ swipe machines, but the airport lounge access more than makes up for it.

  PROS

  • This is a great credit card to start out with – the low fee of ₹199 + GST is easily recovered
  • We like that you can earn Payback™ points on the credit card. These can be clubbed with other Payback™ points on other cards you might have and used together.
  • Getting free movie tickets is always great – ₹100 off each time twice a month is just superb. That's a saving of ₹2400 per year!
  • Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
  • You also get 2.5% cashback every time you fill fuel at an HPCL pump for more than ₹500 each time
  • Not only that, you also get the 1% surcharge on fuel transactions waived off for a maximum single transaction of ₹4000
  • Enrich your travel experience with complimentary access to select lounges at airports in India with your ICICI Bank HPCL Coral American Express® Credit Card. To avail, please present your Card at the lounge reception.

  CONS

  • The ICICI Bank HPCL Coral American Express® Credit Card does not provide statement credit – a feature we would have loved to see in this economical credit card

Joining Perks

  • Immediately start getting the benefit of a 2.5% cashback on all fuel transactions above ₹500
  • Get ₹100 off on movie tickets any day of the week, through bookmyshow™ website. You can avail this discount twice each month or save ₹2,400 each year!
  • Get a supplementary card with no charges

Terms

Eligibility

  • 23 years and above
  • Personal Annual Income above INR 1.8 Lakhs – for Salaried and INR 3 Lakhs for Self–Employed
  • Should have a permanent India Residential Address
  • You should not have any EMI bounces and have outstanding credit

Documents Required

  • Post applying for a credit card, you application will be conditionally approved. However, the Bank will verify income and KYC documents. The bank executive will contact you and pick up the documents required below. The card will be issued once the documents provided are verified
  • Last 6 Months bank statements
  • Pan Card and Aadhar Card
  • Address Proof (Any one) – Voter Card, Aadhar Card, Driving License, Passport Copy

Rewards

  • Payback™ is India's largest multi-brand loyalty programme. Your ICICI Bank Credit Card entitles you to earn Payback™ Points on your transactions.
  • Earn 2 Payback™ Points on every ₹100 spent on retail purchases except fuel.
  • Now you can swipe your Payback™ membership card at select HPCL pumps to instantly redeem points for fuel at the pump itself !
  • Every 2,000 Payback™ Points earn you fuel worth ₹500
  • This redemption option is available through Payback™ whose Terms & Conditions apply. To redeem or for more details, visit the website of payback.in

Terms

1267 Reviews Sort
Newest

Dump this card

1 month ago | Rohit Meena
This card has both joining and annual fees, the both are very high. But when you compare this with the offers they are providing then you find the fee is negligible.

Poor card

1 month ago | Anirban Das
I use ICICI Bank HPCL Coral American Express Credit Card three or four times but after that their intrest was redicullous, and they never give any information about this card.

Happy with the service of this card

1 month ago | Kalyani Hardik Joshi
I am using ICICI Bank HPCL Coral American Express Credit Card from more than 1 year. This is my 1st credit card. I am happy with the services and credit limit of the card.

Good customer service

1 month ago | Lalchand Vishwakarma
The customer service experience is good for this card. They have a dedicated line for the customers. Overall experience is good.

Having good credit limit

1 month ago | MAHESH MUNTIMADUGU
I applied for ICICI Bank HPCL Coral American Express Credit Card via online and the process of getting the card was quite easy and smooth. I received good customer service by the bank and also Bank give me a good credit limit. This card comes with a bundle of features specially in respect of travelling.

Rate of interest is very low

1 month ago | Satya Prakash Meghwal
You can save money while paying your credit card dues. You can also transfer the outstanding balance of other banksÕ credit cards to your ICICI Bank HPCL Coral Credit Card, to avail a lower rate of interest and pay back in EMIs.

Not satisfy with this card

2 months ago | AJAY KUMAR SOOD
I have started using this ICICI Bank HPCL Coral American Express Credit Card more than 1 year. They have provided the less credit limit and I'm not satisfied with it. They have to improve their credit limit depends on the customer's usage.

This card allow minimum 15% saving

2 months ago | Anuja Sharma
This ICICI card allows minimum 15% savings on dining at over 800 restaurants courtesy our Culinary Treats program.

Needs to improve the quality of service of this card

2 months ago | Atitsingh Birendrasingh Baghel
Its a good bank, they gave me good credit limit but they need to improve the quality of service they are providing to the customer.

Not up to mark

2 months ago | Vijay Ratilal Vora
I am using this credit card from last 9 months, the credit card services are not up to the mark in this bank as there are too many charges on transactions. There is an emi conversion offer in this card but they charge extra for every month.

Reason: