Author
LoansJagat Team
Read Time
6 Min
19 Nov 2025
HPCL Coral Credit Card – Features, Fuel Benefits, Rewards & Fees | Complete Guide
Key Takeaways
- The HPCL Coral Credit Card is best suited for individuals who want benefits related to automobiles.
- It is especially useful for people who rely heavily on their vehicles in daily life.
- In addition, it offers cashback on other expenses such as shopping and travel.
The HPCL Coral Credit Card is designed to provide fuel savings along with lifestyle benefits such as dining and entertainment. It helps cardholders reduce everyday expenses while enjoying valuable rewards.
For example, Rohan, a young professional, uses his HPCL Coral Credit Card to fuel his car at HPCL pumps, dine out on weekends, and book film tickets online. Each time he spends, he saves money through cashbacks, surcharge waivers, and reward points, which he later redeems for shopping vouchers.
In this blog, we will explore the features, benefits, fees, eligibility, and overall value of the HPCL Coral Credit Card to help you decide if it suits your needs.
Key Highlights of HPCL Coral Credit Card
The HPCL Coral Credit Card comes with fuel-focused benefits, rewards, and lifestyle privileges.
Below are the key details that give a quick overview of this card:
These highlights show that the HPCL Coral Credit Card is designed to offer value through fuel savings and rewards, while keeping the fees affordable for regular users.
Benefits of HPCL Coral Credit Card
The HPCL Coral Credit Card offers a range of savings and lifestyle benefits, making everyday spending more rewarding.
Key Benefits:
- Save up to 3.5% on fuel transactions at HPCL petrol pumps.
- Enjoy two monthly discounts on film tickets through BookMyShow (25% off up to ₹100).
- Avail dining discounts under the Culinary Treats Programme.
- Receive a 1% fuel surcharge waiver on transactions worth ₹400–₹4,000 at HPCL pumps.
With these features, the HPCL Coral Credit Card helps you save more while enjoying fuel, dining, and entertainment benefits.
HPCL Coral Credit Card Cashbacks and Rewards
The HPCL Coral Credit Card rewards you for your daily spending while giving you flexible redemption options.
Cashbacks and Rewards:
- Earn 2 reward points for every ₹100 spent on retail purchases.
- Earn 1 reward point for every ₹100 spent on utility and insurance payments.
- Redeem your reward points for a wide range of categories, including:
- Health & Beauty
- Travel & Luggage
- Shopping Vouchers
- Home Appliances
- Electronics
- Fashion & Lifestyle
- Health & Beauty
With these rewards, the HPCL Coral Credit Card helps you turn everyday spending into valuable savings and lifestyle benefits.
Bonus tip:- HPCL Coral Credit is one of the best fuel credit cards which offers great savings on fuel transactions.
HPCL Coral Credit Card Fees and Other Charges
The HPCL Coral Credit Card comes with nominal fees and certain charges that apply in specific situations. Understanding these helps you manage the card smartly.
Fees and Other Charges:
- Pay a joining fee of ₹199 + GST.
- Pay an annual fee of ₹199 + GST (waived if you spend ₹50,000 in a year).
- Incur a forex markup fee of 3.5% on international transactions.
- Pay 3.75% interest per month on ATM withdrawals.
- Pay 3.75% interest per month if you only pay the minimum due.
- Pay a late bill payment fee ranging from ₹100 to ₹1,300.
By being aware of these charges, you can use the HPCL Coral Credit Card responsibly and avoid unnecessary costs.
HPCL Coral Credit Card Pros and Cons
The HPCL Coral Credit Card offers fuel savings along with lifestyle benefits, but it also comes with some limitations. Here is a balanced view of its pros and cons:
The HPCL Coral Credit Card is ideal for frequent HPCL fuel users and those who enjoy dining and movies. However, if you spend less on fuel or use it abroad, the card’s charges may outweigh the benefits.
Eligibility Criteria for HPCL Coral Credit Card
To apply for the HPCL Coral Credit Card, you must meet the following requirements:
- You must be an Indian citizen over 21 years of age.
- If you are a salaried individual, you must have a minimum monthly income of ₹20,000.
- If you are self-employed, you must have a minimum annual income of ₹2,40,000.
These criteria ensure that applicants have a stable income to manage credit card usage responsibly.
Required Documents to Apply for HPCL Coral Credit Card
Applicants must provide valid documentation to establish their identity, residence, and financial stability. The following categories of documents are generally required:
- Identity Proof: any government-approved document such as a passport, voter ID, Aadhaar card, or driving licence that confirms the applicant’s personal identity.
- Address Proof: documents such as utility bills, rental agreements, or official government-issued certificates that verify the applicant’s current residential address.
- Income Proof: salary slips, income tax returns, or bank statements that demonstrate the applicant’s earning capacity and financial eligibility for the credit card.
By furnishing these documents, applicants enable the issuing bank to conduct due diligence and ensure compliance with regulatory requirements.
Bonus Tip:- This credit card does not require any physical document.
How to Apply for the HPCL Coral Credit Card?
Applying for the HPCL Coral Credit Card is a simple process that can be completed online through the official ICICI Bank website. By following these steps, you can quickly submit your application.
Step 1: Visit the official website of ICICI Bank.
Step 2: There, you will see the cards option. Click on that. After clicking, you will see the “Credit Cards” option. Click on that and then click on the income range of 2.5L - 4 L.
Step 3: After clicking on it you will see the “HPCL Coral Credit Card.”
Step 4: You will see an Apply button just below it.
Click on that.
Step 5: After clicking on it, you will be directed to a new page where you have to fill in all the details and then submit them.
Step 6: After submission, the bank will review it and let you know when you will get the card.
Applying online saves time and effort, ensuring that you can begin enjoying the benefits of the HPCL Coral Credit Card without delay.
Conclusion
The HPCL Coral Credit Card is best suited for individuals who frequently purchase fuel at HPCL pumps and also wish to enjoy lifestyle perks such as dining and movie benefits. While it offers meaningful savings on fuel and rewards on daily spending, applicants should remain mindful of its annual fee, interest charges, and limited international value. Overall, it is a practical choice for those seeking fuel efficiency combined with added everyday privileges.
FAQ’s
1. Does the HPCL Coral Credit Card give me extra rewards if I use it at non-HPCL fuel pumps?
No, the maximum benefits apply only at HPCL pumps; other fuel stations won’t give the same savings.
2. Can I convert my large purchases on the HPCL Coral Credit Card into EMIs?
Yes, you can convert eligible transactions into easy monthly instalments through the bank’s EMI facility.
3. Will I earn reward points on utility bills and insurance payments?
Yes, but you earn only 1 point for every ₹100 spent on these categories.
4. Does the HPCL Coral Credit Card provide benefits if I miss the minimum spend requirement for the fee waiver?
Yes, you still enjoy fuel savings, dining discounts, and movie offers even if the annual fee is charged.
5. Can I use my reward points to directly pay my fuel bill at HPCL pumps?
Yes, you can redeem your accumulated reward points instantly against fuel purchases at HPCL outlets.
About the Author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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