ICICI HPCL Coral Credit Card 2025
Save up to ₹12,000+ every year with 4% fuel cashback, grocery rewards & completely free card!
If you fill fuel at HPCL pumps regularly, the ICICI HPCL Coral Credit Card is one of the best fuel + daily spend cards in India!
You get 4% cashback on HPCL fuel (via HP Pay), 2.5% cashback on groceries, utilities & bill payments, 1% on all other spends, ₹500 HPCL voucher on joining, 1% fuel surcharge waiver everywhere, and right now available as Lifetime Free for many users.
Cashback as direct statement credit – no points, no expiry!
Why This Is The Best Fuel + Daily Card in 2025?
4% HPCL fuel • 2.5% groceries/utilities • ₹500 voucher • LTF offer • 1% fuel waiver everywhere • Easy approval
Best for: HPCL users, families, grocery & bill spends, beginners
Lifetime Free Offer – No joining or annual fee (limited period)
Card At a Glance
₹0 (LTF offer)
₹0 (Lifetime Free current)
4% fuel | 2.5% | 1%
Cashback (Direct)
1% everywhere
Statement Credit
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (LTF offer) |
| Annual Fee | Nil (Lifetime Free current batch) |
| Welcome Benefit | ₹500 HPCL voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.4%–3.8% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
| Cash Advance Fee | 2.5% or ₹500 |
Detailed Reward Rates (2025)
- 4% cashback on HPCL fuel via HP Pay (up to ₹200/month)
- 2.5% cashback on groceries, utilities, bill payments (up to ₹500/month)
- 1% unlimited cashback on all other spends
- 1% fuel surcharge waiver on all petrol pumps
- Direct cashback to statement every month
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹50,000
- Personal accident cover ₹2 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 4% cashback on HPCL fuel | Cashback capped at ₹700/month |
| 2.5% on groceries & bills | No lounge access |
| Currently Lifetime Free | 3.5% forex markup |
| 1% fuel waiver everywhere | |
| ₹500 welcome voucher |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹3 Lakh p.a. or existing ICICI customer
- Credit Score: 700+
- Documents: PAN, Aadhaar, salary slip or bank statement
How to Apply Online (5-Minute Process)
- Visit ICICI Bank website → Credit Cards → HPCL Coral
- Click Apply Now → Fill mobile & PAN
- Get instant pre-approval → Upload documents
- Video KYC → Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you use HPCL pumps and spend on groceries/bills, ICICI HPCL Coral gives you 4% real cashback + ₹500 voucher + LTF — one of the best lifetime-free fuel + daily spend cards in India right now. Must-have for HPCL users!
Frequently Asked Questions (FAQs)
How much cashback on fuel?
4% on HPCL fuel via HP Pay (max ₹200/month).
Is it lifetime free?
Yes, current applications are approved as LTF.
Welcome benefit?
₹500 HPCL voucher on first transaction.
Any lounge?
No, it’s a basic fuel-focused card.