ICICI HPCL Platinum Credit Card 2025
Save up to ₹18,000+ every year with 5% fuel cashback, ₹2,000 welcome & 4 lounge visits!
If you fill fuel at HPCL pumps and want a near-free premium card, the ICICI HPCL Platinum Credit Card is currently the best fuel + lifestyle card in the low-fee segment!
You get 5% cashback on HPCL fuel (via HP Pay), ₹2,000 welcome cashback on ₹1 Lakh spend in 90 days, 4 domestic lounge visits, 1% fuel surcharge waiver everywhere, BOGO movie tickets, and just ₹199 annual fee waived on only ₹50,000 spend.
Cashback as direct statement credit — no points, no expiry!
Why This Is The Best Fuel + Lounge Card in 2025?
5% HPCL fuel • ₹2,000 welcome • 4 lounge visits • BOGO movies • ₹199 fee (waived on ₹50K) • Instant cashback
Best for: HPCL users, daily commuters, movie lovers, lounge seekers
Card At a Glance
₹199 + GST
₹199 + GST (Waived on ₹50K)
₹2,000 Cashback
5% fuel | 2% others
4 Domestic/year
1% everywhere
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST (Waived on ₹50K spend) |
| Welcome Benefit | ₹2,000 cashback on ₹1L spend in 90 days |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.4%–3.8% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 5% cashback on HPCL fuel via HP Pay (up to ₹500/month)
- 2% cashback on groceries, utilities, department stores
- 1% unlimited cashback on all other spends
- Buy 1 Get 1 movie ticket up to ₹500/month
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- ₹2 Crore air accident cover
- Purchase protection up to ₹1 Lakh
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% cashback on HPCL fuel | Cashback capped at ₹700/month |
| ₹2,000 welcome cashback | 3.5% forex |
| 4 domestic lounge visits | |
| Only ₹199 fee + easy waiver | |
| BOGO movies |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹5 Lakh p.a. or ₹40K/month salary
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip, bank statement
How to Apply Online (5-Minute Process)
- Visit ICICI Bank website → Credit Cards → HPCL Platinum
- Click Apply Now → Fill mobile & PAN
- Instant pre-approval → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you use HPCL pumps and spend ₹50,000+ yearly, ICICI HPCL Platinum gives you 5% real cashback + ₹2,000 welcome + 4 lounge visits for just ₹199 fee (easily waived). Still the best fuel + lifestyle card under ₹500 fee in India!
Frequently Asked Questions (FAQs)
5% on all HPCL pumps?
Yes, 5% cashback via HP Pay app (up to ₹500/month).
Welcome cashback?
₹2,000 cashback on ₹1 Lakh spend in 90 days.
Lounge access?
4 domestic lounge visits per year.
Fee waiver?
Yes, ₹199 waived on ₹50,000 annual spend.