ICICI Bank HPCL Coral American Express Credit Card

The ICICI Bank HPCL Coral American Express Credit Card is tailored to provide you with the utmost advantages when it comes to fuel expenses. As fuel prices continue to rise and put a strain on our finances, this credit card enables you to effectively manage your fuel costs. You can achieve this by earning cashback rewards and benefiting from fuel surcharge waivers with every fuel purchase. Additionally, the card offers the perk of accelerated rewards, which you can later redeem for fuel at any HPCL petrol station.

Key Highlights of ICICI Bank HPCL Coral American Express Credit Card

  • Annual Fee: Rs. 199
  • Earn 2 PAYBACK Points for every Rs. 100 spent on retail.
  • Earn 3x PAYBACK Points on fuel spends.
  • 2000 PAYBACK Points can be redeemed for Rs. 500 worth of fuel.
  • Get 2.5% cashback, up to Rs. 100, on fuel spends at HPCL pumps.
  • Enjoy a fuel surcharge waiver at HPCL Pumps.
  • Get a 25% discount, up to Rs. 100, when purchasing 2 movie tickets via BookMyShow per month.
  • Access dining offers through the ICICI Bank Culinary Treats Programme.

Features and Benefits of ICICI Bank HPCL Coral American Express Credit Card

1. Reward Points:

  • Earn 2 PAYBACK points for every Rs. 100 spent on retail (excluding fuel).
  • Receive 3x PAYBACK points on fuel purchases at HPCL pumps.
  • Redeem 2,000 PAYBACK points for Rs. 500 worth of fuel.

2. Cashback Offers:

  • Get 2.5% cashback on fuel purchases at HPCL pumps.
  • Minimum transaction amount for cashback is Rs. 500.

3. Fuel Surcharge Waiver:

  • Enjoy a waiver on the 1% fuel surcharge at HPCL pumps.

4. Movie Offers:

  • Avail a 25% discount (up to Rs. 100) when purchasing at least 2 tickets via BookMyShow.

5. Dining Offers:

  • Access exclusive dining offers through the ICICI Bank Culinary Treats Programme.

6. Annual Fee Reversal:

  • The annual fee of Rs. 199 is reversed if you spend Rs. 50,000 in an anniversary year.

7. American Express Connect:

  • Get special offers across various categories such as travel, lodging, dining, and more.

8. American Express ezeClick:

  • This feature allows users to make online transactions using just 1 User ID, eliminating the need to enter card details.

ICICI Bank HPCL Coral American Express Credit Card Fees and Charges

The ICICI Bank HPCL Coral American Express Credit Card comes with the following fee and charge structure:

Joining Fee Rs. 500
Annual Charges Rs. 500
Interest Rate/Finance Charges 3.40% per month | 40.80% p.a.
Late Payment Charges
  • Nil for amounts less than Rs. 100.
  • Rs. 100 for amounts between 100 and 500 rupees.
  • Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000.
  • Rs. 750 for amounts ranging from Rs. 5,001 to Rs. 10,000.
  • Rs. 900 for amounts ranging from Rs. 10,000 to Rs. 25,000.
  • Rs. 1,000 for amounts ranging from Rs. 25,001 to Rs. 50,000.
  • Rs. 1,200 for amounts greater than Rs. 50,000.

ICICI Bank HPCL Coral American Express Credit Card Eligibility

  • ICICI Bank and American Express have specific criteria for their credit card applicants.
  • These criteria pertain to income, age, nationality (Resident Indian/NRI), and location.
  • Additionally, applicants need to maintain a good credit score and not have any history of payment defaults.
  • Further requirements will be disclosed by the bank once a customer expresses interest in applying for a credit card.

Documents Required for ICICI Bank HPCL Coral American Express Credit Card

To support the information in the application form, proof of identity, address, and income is required. The eligible documents for each category are as follows:

1. Identity Proof:

  • Passport
  • PAN Card
  • Aadhaar Card
  • Voter’s ID Card
  • Driving Licence
  • Photo Credit Card
  • Central and State Govt. issued Photo ID Proof
  • Defence ID Card

2. Residence Proof:

  • Aadhaar Card
  • Ration Card
  • Passport
  • Bank Account Statement
  • Voter’s ID Card
  • Letter from any recognized public authority
  • Telephone Bill
  • Electricity Bill
  • Water Bill (not more than 3 months old)

3. Income Proof:

  • Salary Slips (not more than 3 months old)
  • Bank Statements (not more than 3 months old)
  • Income Tax Return (ITR)
  • Form-16

How to apply for ICICI Bank HPCL Coral American Express Credit Card ?

  • Visit ICICI Bank’s official website.
  • Navigate to the ‘Cards’ tab on the homepage.
  • Click on the ‘Credit Cards’ option.
  • Choose the ICICI Bank HPCL Coral American Express Credit Card from the list of available cards.
  • Click the ‘Apply Now’ button.
  • Complete the application form by providing your personal information.

Frequently Asked Questions (FAQs)

1. What is the ICICI Bank HPCL Coral American Express Credit Card?

The ICICI Bank HPCL Coral American Express Credit Card is a co-branded credit card offered by ICICI Bank in partnership with Hindustan Petroleum Corporation Limited (HPCL) and American Express. It is designed to provide cardholders with benefits such as fuel rebates, reward points, and exclusive privileges.

2. How can I apply for the ICICI Bank HPCL Coral American Express Credit Card?

You can apply for the card online through the official ICICI Bank website or by visiting a nearby ICICI Bank branch. The application process typically involves submitting necessary documents and meeting the eligibility criteria set by the bank.

3. What are the eligibility criteria for this credit card?

Eligibility criteria may vary, but generally, applicants should be in the age range of 21 to 65 years, have a stable source of income, and meet ICICI Bank’s credit underwriting criteria. Specific requirements can be checked on the official website or discussed with a bank representative.

4. What benefits does the ICICI Bank HPCL Coral American Express Credit Card offer?

The card offers benefits such as fuel surcharge waivers, accelerated reward points on fuel transactions, dining discounts, and exclusive access to the American Express network privileges. Cardholders also enjoy reward points on regular spends, which can be redeemed for various rewards.

5. Is there an annual fee associated with this credit card?

Yes, the ICICI Bank HPCL Coral American Express Credit Card may have an annual fee, and it is advisable to check the specific fees and charges applicable at the time of application. Some credit cards may offer a waiver of the annual fee based on annual spending or other criteria.

6. How does the fuel surcharge waiver work with this credit card?

Cardholders can enjoy a fuel surcharge waiver at HPCL petrol pumps when using the ICICI Bank HPCL Coral American Express Credit Card. The waiver is typically subject to certain conditions, such as a minimum fuel transaction amount and a maximum limit on the waiver amount.

7. How can I redeem the reward points earned on this credit card?

ICICI Bank usually provides an online platform for redeeming reward points. Cardholders can log in to their account on the ICICI Bank website, navigate to the rewards section, and choose from a range of redemption options, including merchandise, gift vouchers, and more.

8. What is the credit limit offered with this credit card?

The credit limit is determined by ICICI Bank based on various factors such as the applicant’s creditworthiness, income, and repayment history. The assigned credit limit will be communicated to the cardholder upon approval of the credit card application.

9. Is there a foreign currency markup fee for international transactions?

Yes, there may be a foreign currency markup fee applicable when using the ICICI Bank HPCL Coral American Express Credit Card for international transactions. Cardholders are advised to check the fee structure in the terms and conditions provided by the bank.

10. How can I contact customer support for the ICICI Bank HPCL Coral American Express Credit Card?

Customer support contact details, including phone numbers and email addresses, are usually available on the official ICICI Bank website. Cardholders can reach out to customer support for queries related to their credit card, transactions, or to report any issues or concerns.