Route this card to fuel spends first, then shift spillover transactions to stronger category alternatives
Skip it if
points-value realization depends on redemption choice and transfer use
For Drivers and commuters fueling at HPCL regularly. 1% on fuel spend. ₹500 fee, waiver at ₹1,50,000 / year. Verify the lounge spend rule before applying.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why get it
Why you should get it
Drivers and commuters fueling at HPCL regularly
Accelerated value at HPCL fuel stations
Known ICICI ecosystem with broad merchant acceptance
Balanced fee for regular fuel users
Why skip it
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
Returns drop sharply outside fuel category
Reward caps can limit high-spend upside
Fuel surcharge and merchant exclusions apply
Annual Fee₹500Joining fee ₹500
Spend to Waive Fee₹1,50,000 / yearWaived on INR 1.5L annual spends
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹500
Joining fee ₹500
Fee waiver₹1,50,000 / year
Waived on INR 1.5L annual spends
Best return1%
Fuel spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹544after annual fee
Value covers the ₹500 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on fuel — 1% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Fuelbest earn
1%
Dining
0.25%
Basedefault
0.13%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped75 rows
55 domestic • 20 international policy count
Access ruleCheck terms
Policy override notes:
• Source snapshot maps ICICI HPCL Coral variant with zero listed airport lounge rows.
• This card is primarily fuel-oriented; lounge benefits are not listed as a core proposition in current source rows.
• No lounge spend unlock rule is listed for ICICI HPCL Coral in current mapped sources.
• No quarter/cycle lounge rule is listed for ICICI HPCL Coral.
• Guest lounge access is not listed for ICICI HPCL Coral.
• Priority Pass is not listed for ICICI HPCL Coral.
- Source file: ICICI domestic consolidated lounge list PDF (last updated January 2026).
- Annexure 1 lists this variant with 1 complimentary domestic lounge visit(s) per quarter.
- Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for ICICI Bank HPCL Coral Credit Card using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
No lounge spend unlock rule is listed for ICICI HPCL Coral in current mapped sources.
Quarter / cycle rule
No quarter/cycle lounge rule is listed for ICICI HPCL Coral.
Guest access
Guest lounge access is not listed for ICICI HPCL Coral.
Priority Pass
Priority Pass is not listed for ICICI HPCL Coral.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
75 rows
Lounge locations
75 mapped rows available on demand
Loading verified lounge locations…
Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹500
Annual fee₹500
Waiver threshold₹1,50,000
Cap typenone
Cap resetnone
Last verified2026-02-12
Redemption Truth
Cash value/pointNot listed
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12
Lounge Truth
NetworkVisa
Domestic count55
International count20
Quarterly limitNot listed
Airport-terminal rows75
Policy check2026-02-10
Reliability + Outcomes
Verification statuspending
Freshness days232
Source conflicts1
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is ICICI Bank HPCL Coral Credit Card lifetime free?
It has an annual fee of ₹500. Waived on INR 1.5L annual spends
What rewards does ICICI Bank HPCL Coral Credit Card offer?
Popular ICICI fuel card variant with HPCL-focused earning potential.
Does ICICI Bank HPCL Coral Credit Card include lounge access?
ICICI Bank HPCL Coral Credit Card lists lounge access with 75 mapped lounge rows (55 domestic, 20 international policy count).
Who should consider ICICI Bank HPCL Coral Credit Card?
Drivers and commuters fueling at HPCL regularly
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
