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ICICI · Visa

HPCL Coral Credit Card

Save with offers on fuel transactions, earn reward points, cashbacks and much more.

Annual fee
₹199
Forex markup
3.5%
Lounges (Dom/Intl)
— / —
Welcome benefit

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹3,000 /year
0.50% effective · fee waived
Annual reward earned₹3,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹199
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs FIRST Digital RuPay Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
HPCL Coral Credit Card
FIRST Digital RuPay Credit Card
Annual fee
₹199
₹199
Annual reward
₹3,000
₹1,020
Net /year (steady)
₹3,000
₹821
Forex markup
3.5%

Tools for HPCL Coral Credit Card holders

Frequently asked

Is the HPCL Coral Credit Card worth the ₹199 fee?

It depends on your spend. The HPCL Coral Credit Card earns 0.5% base reward and waives the annual fee at ₹50,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for HPCL Coral Credit Card?

ICICI typically requires a minimum income of ₹20,000/year for the HPCL Coral Credit Card.

What is the forex markup on HPCL Coral Credit Card?

HPCL Coral Credit Card charges 3.5% forex markup on international transactions.

Verified 38 days agolikelySource: www.icici.bank.in

Reward rates and fees are sourced from ICICI's product page and may change. Always confirm with the card issuer before applying.