# ICICI HPCL Coral

ICICI Bank · Visa. ₹199 fee · 3.5% forex · 2 RP/₹100 retail (points value not published, about ₹0.25 each).

verified · checked 16 July 2026 · Source: https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/updated_terms-and-conditions-for-icici-bank-hpcl-coral-credit-card.pdf

## How it earns (3)

- 2 RP/₹100 retail (points value not published, about ₹0.25 each) · ✓ official · checked 16 July 2026
- 2.5% cashback at HPCL pumps, cap ₹100/mo, min ₹500/txn · separate 1% surcharge waiver needs an ICICI POS, txn ₹400 to ₹4,000 (3.5% savings in all) · HP Pay wallet loads do not qualify for the waiver · cap 100 points per month · ✓ official · checked 16 July 2026
- 1 RP/₹100 on utilities (groceries, telecom, govt, tax) and department stores · verified · checked 2 October 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 2 RP/₹100 retail (points value not published, about ₹0.25 each)
- Vouchers for Gyftr, NoBroker Pay (rent) and 1 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (3)

- No RP on rent
- No RP on wallet loads
- No rewards on cash, rent or wallet loads

## Transfer partners (1)

- Maharaja Points · 6 : 1 · ~5 working days · ✓ official · checked 7 July 2026

## Fees

- Annual fee: ₹199 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 3.5%
- Earns: ICICI Reward Points (entry tier) · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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