ICICI Bank HPCL Coral Credit Card

In collaboration with Hindustan Petroleum, ICICI Bank has introduced the ICICI Bank HPCL Coral Credit Card. This card not only helps you reduce your fuel costs by up to 2.5% but also offers you reward points for your eligible expenditures. Moreover, you can utilize these reward points to acquire free fuel at any HPCL petrol station. For more details regarding the ICICI Bank HPCL Coral Credit Card, kindly refer to the information provided below.

Key Highlights of ICICI Bank HPCL Coral Credit Card

  • Card Type: Mid-level
  • Best Suited for: Fuel Purchases
  • Joining Fee: Rs. 199
  • Annual Fee: Rs. 199 (Annual fee reversed upon spending Rs. 50,000 in a year)
  • Best Feature: Get a 2.5% cashback when you buy fuel at HPCL pumps.

Features and Benefits of ICICI Bank HPCL Coral Credit Card

Features of ICICI HPCL Coral VISA Credit Card:

  1. Movie Ticket Discount: Enjoy a Rs. 100 discount when booking movie tickets on BookMyShow.com, with a maximum of two tickets per month.
  2. Culinary Treats Program: Receive a minimum 15% savings when dining at over 800 restaurants participating in ICICI’s Culinary Treats program.
  3. Airport Lounge Access: Enjoy the perks of accessing two different airport lounges every quarter simply by presenting your credit card and boarding pass at any airport of your choice.
  4. 24/7 Banking Services: Access round-the-clock banking services through ICICI Bank’s Mobile Banking and Internet Banking platforms.
  5. Enhanced Security: Experience increased protection against fraud and counterfeiting with the chip & pin security feature of the card.

Benefits of ICICI Bank HPCL Coral VISA Credit Card:

  1. Fuel Cashback: Receive a 2.5% cashback (maximum Rs. 100) on fuel purchases at HPCL petrol pumps when you use your card.
  2. Fuel Surcharge Waiver: Enjoy a 2.5% waiver on fuel surcharges for transactions up to Rs. 4,000 at HPCL petrol pumps across India.
  3. Accelerated PAYBACK Points: Earn PAYBACK reward points at a rate 2.5 times higher when you use your card for fuel transactions at HPCL petrol pumps.
  4. General Spending Rewards: Accumulate two PAYBACK points for every Rs. 100 spent on your card.
  5. Annual Fee Waiver: Get a waiver of the yearly fee amounting to Rs. 199 by spending at least Rs. 50,000 on your card over the course of a year.
  6. Instant Reward Redemption: Redeem reward points instantly at HPCL petrol pumps by swiping your PAYBACK card.

ICICI Bank HPCL Coral Credit Card Fees and Charges

  • Joining Fee: ₹ 199 + goods and services tax
  • Annual Fee (First year): NIL
  • Annual Fee (Second year onwards): ₹ 199* + goods and services tax
  • Supplementary Card Fee: NIL
  • Overdue interest on extended credit and cash advances: 3.40% per month (40.80% annualized)
  • Annual Fee Reversal: If total spends on the Credit Card reach ₹ 50,000 or more during an anniversary year, the Annual Fee for the subsequent year shall be reversed. If the total spends on the Credit Card are less than ₹ 50,000 during an anniversary year, the Annual Fee shall not be reversed for the subsequent year.

ICICI Bank HPCL Coral Credit Card Eligibility

Below are the requirements you need to meet to be eligible for the ICICI HPCL Credit Card:

  • Age requirement: Individuals seeking to apply should fall within the age range of 21 to 65 years.
  • Employment status: Eligible individuals include both salaried employees and self-employed individuals with a consistent source of income.
  • Good credit score: To be deemed creditworthy, applicants must possess a credit score of 750 or above.
  • Stable credit history: Demonstrating a history of responsible credit use is essential to meet the eligibility criteria.

Documents Required for ICICI Bank HPCL Coral Credit Card

To apply for the ICICI Bank credit card, you’ll need the following documents:

  1. Address proof.
  2. Identity proof.
  3. Permanent Account Number (PAN) card.
  4. Income Tax return (IT return).
  5. Salary slips for the previous two months.
  6. One passport size photograph.

How to apply for ICICI Bank HPCL Coral Credit Card?

Below are the procedures to follow when applying for the ICICI Bank HPCL Coral Credit Card:

  1. Visit the ICICI Bank website at https://www.icicibank.com/.
  2. Click on ‘Credit Card’ in the dropdown menu under ‘Apply Online.’
  3. Provide all the required information.
  4. Select the ICICI Bank HPCL Coral Credit Card from among the ICICI Bank credit card options.
  5. Please adhere to the guidelines provided on the website and ensure all required formalities are duly completed.

Frequently Asked Questions (FAQs)

1. What exactly does the ICICI Bank HPCL Coral Credit Card offer?

The ICICI Bank HPCL Coral Credit Card stands as a collaborative effort between ICICI Bank and Hindustan Petroleum Corporation Limited (HPCL). Specifically tailored for fuel purchases and beyond, it delivers a range of benefits and rewards to its users.

2. How do I apply for the ICICI Bank HPCL Coral Credit Card?

To obtain the ICICI Bank HPCL Coral Credit Card, you have two options: either submit your application via the official ICICI Bank website online or personally visit the closest ICICI Bank branch.

3. What distinctive elements does the ICICI Bank HPCL Coral Credit Card offer?

Among the standout attributes are swift accumulation of reward points for fuel purchases at HPCL stations, advantageous dining perks, savings on movie ticket reservations, and special advantages tailored for cardholders.

4. How does the fuel benefit work on the ICICI Bank HPCL Coral Credit Card?

Card users can accumulate bonus reward points when they fill up at HPCL stations, which they can later exchange for a range of rewards. The specifics of these fuel perks are outlined in the card’s terms and conditions.

5. Does the ICICI Bank HPCL Coral Credit Card entail any yearly charges?

The annual fees and other charges may vary. It is recommended to check the latest fee structure on the official ICICI Bank website or contact customer support for the most accurate information.

6. How do I utilize the reward points accumulated through my ICICI Bank HPCL Coral Credit Card?

ICICI Bank offers a range of redemption choices for reward points, such as merchandise, gift vouchers, and fuel purchases. To redeem points, customers can access an online portal or contact customer service for more information.

7. Does the ICICI Bank HPCL Coral Credit Card offer any joining incentives or bonuses?

Joining incentives and introductory deals are subject to change. It’s recommended to review the latest promotions and offers on the official ICICI Bank website or reach out to customer support for the most up-to-date details.

8. What dining perks can you enjoy with the ICICI Bank HPCL Coral Credit Card?

The card may offer discounts or rewards on dining expenses at select partner restaurants. Check the card’s terms and conditions for specific details on dining benefits.

9. How can I check my ICICI Bank HPCL Coral Credit Card statement?

Access your credit card statement effortlessly via either the ICICI Bank internet banking portal or mobile app. Typically, e-statements are available, with the option to receive physical statements if preferred.

10. In the event of losing my ICICI Bank HPCL Coral Credit Card, what steps should I take to address the situation?

If your card goes missing or gets stolen, don’t hesitate to reach out to ICICI Bank’s customer service right away. They’ll assist you in blocking the card and arranging for a new one.