ICICI HPCL Coral American Express Credit Card

Reward Points – Reward Points are earned in the following manner:

• 2 PAYBACK points per Rs. 100 spent on retail, excluding fuel
• 3x PAYBACK points on fuel spends at HPCL pumps
• Redeem 2,000 PAYBACK points for Rs. 500 worth of fuel

Cashback Offers – Get 2.5% cashback on fuel purchases at HPCL pumps. Minimum transaction must be of Rs. 500.

Fuel Surcharge Waiver – Get waiver on the 1% fuel surcharge at HPCL pumps.

Movie Offers – Avail 25% discount, up to Rs 100, on purchasing at least 2 tickets via BookMyShow.

Dining Offers – Get exclusive dining offers via ICICI Bank Culinary Treats Programme.

Annual Fee Reversal – Annual fee of Rs. 199 is reversed upon spending Rs. 50,000 in an anniversary year.

American Express Connect – Get offers across various categories like travel, lodging, dining, etc.

American Express ezeClick – This feature lets users conduct online transactions via 1 User ID thus, replacing the need to enter card details.

Credit Card	Amount
Joining Fee	Rs. 199
Annual Fee	NIL
Supplementary Card Fee	NIL
Free Credit Period	18 to 48 days
Cash Advance Fee	3.40% per month / 40.80% pa.
Overlimit Charges	2.50% of the over-limit amount/Min. Rs. 500
Late Payment Fee	Nil for amount due less than Rs. 100 Rs. 100 for amount between Rs. 100 and Rs. 500 Rs. 500 for total amount due greater than Rs. 501 and up to Rs. 10,000 Rs. 750 for total amount due greater than Rs. 10,000
Surcharges	1% /Min. Rs. 10 on fuel transaction 1.80% of the transaction value for Internet railway bookings and 2.50% for other railway bookings
Foreign Transaction Fee	3.50% of the amount

ICICI Bank & American Express requires that the customer meet the criteria related to, income, age, nationality (Resident Indian/NRI), and location. Besides this, applicants must have a good credit score without any defaults on payments.

Other requirements will be shared by the bank when the customer shows interest in applying for the credit card.

Documents Required for ICICI Bank HPCL Coral American Express Credit Card

Proof of identity, address and income must be submitted to support the information provided in the application form. The list of eligible documents is given below:

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc.
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc.
Income Proof	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc.

Currently the ICICI Bank HPCL American Express Coral Credit is not being provided by Paisabazaar. However, you may explore other eligible credit card option by clicking here.

You may, however, apply for ICICI Bank HPCL American Express Coral Card through ICICI Bank’s official website.

Credit Card	Annual Fee	Comparative Feature
BPCL SBI Card	Rs. 499	Get 4.25% valueback on fuel purchases
IndianOil HDFC Bank Credit Card	Rs. 500	Earn 5% of your fuel spends
HDFC Bharat CashBack Card	Rs. 500	Get 5% cashback on your fuel spends
Standard Chartered Super Value Titanium Credit Card	Rs. 750	Get 5% cashback on fuel purchase
Citibank Indian Oil Platinum Credit Card	Rs. 1,000	Redeeming turbo points to get upto 71 litres of fuel in a year

Which variant of ICICI Bank HPCL Coral American Express Credit Card should I go for?
The offers on the three variants, MasterCard, American Express and Visa are almost similar. The main difference is that the American Express offers more PAYBACK Points and travel benefits to the cardholder.

How much can I save via ICICI Bank HPCL Coral Credit Card?
You may save Rs. 7,475 or Rs. 12,263 upon spending Rs. 2 lakh or Rs. 4 lakh respectively in a year.

What is a fuel surcharge/convenience fee waiver?
A convenience fee of 1% of the transaction amount is levied whenever a user pays for fuel via credit card. This is over and beyond the cost of fuel purchased. Many cards offer a waiver on this fee. ICICI HPCL Coral American Express credit card offers waiver as long as the transaction amount is less than Rs. 4,000.

Should I choose a credit card that only offers fuel benefits?
Credit cards that offer fuel-specific benefits are ideal for people who mostly spend on fuel. This way they can save a lot on their expenses & earn free fuel. However, many people make a variety of spends which include, dining, movie ticket, grocery, etc. In the end, it is up to the customer to ask themselves what will benefit them the most; a card designed to reward fuel spends only or one that offers a mix of benefits.

How can I redeem my PAYBACK Points against fuel?
Redemption is easy, simply visit any HP Fuel station and quote your registered mobile number or PAYBACK number before billing. Finally, specify the number of points you want to redeem and complete the transaction.