Question 1

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

Accepted Answer

HPCL ICICI Coral Credit Card has an annual fee of ₹199. The fee can be waived if you spend ₹50k/year. With a base reward rate of 0.5% (up to 4%), 4 domestic lounge visits, and a CardTrail Score of 6.2/10, it may suit specific spending patterns.

Question 2

What is the reward rate on HPCL ICICI Coral Credit Card?

Accepted Answer

HPCL ICICI Coral Credit Card offers a base reward rate of 0.5% on regular spends, going up to 4% on select categories. Rewards are earned as Payback Points. New cardholders also get a welcome bonus of None.

Question 3

Does HPCL ICICI Coral Credit Card have airport lounge access?

Accepted Answer

Yes, HPCL ICICI Coral Credit Card provides 4 domestic and 0 international lounge visits per year. Note: You must spend ₹75,000 per quarter to activate lounge access.

Question 4

What is the forex markup on HPCL ICICI Coral Credit Card?

Accepted Answer

HPCL ICICI Coral Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

HPCL ICICI Coral Credit Card vs Indian Oil HDFC Credit Card — which is better?

Accepted Answer

HPCL ICICI Coral Credit Card (CardTrail Score: 6.2/10) and Indian Oil HDFC Credit Card (Score: 6.6/10) are both fuel cards. HPCL ICICI Coral Credit Card by ICICI has a ₹199 fee with 0.5% base rewards, while Indian Oil HDFC Credit Card by HDFC has a ₹500 fee with 0.67% base rewards. Use our comparison tool for a detailed side-by-side analysis.

HPCL ICICI Coral Credit Card

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