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    ICICI Bank HPCL Coral American Express Credit Card Reviews

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    ICICI Bank HPCL Coral American Express Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service




    The ICICI Bank HPCL Coral American Express Credit Card is designed to give you maximum fuel benefits. Fuel is expensive and can take a toll on our pockets, but with this card, you can keep you fuel costs in check by earning cash back while enjoying fuel surcharge waivers. Another great benefit is accelerated rewards which you can redeem for fuel at any HPCL petrol station.

    ICICI HPCL Coral American Express Card Benefits:

    PAYBACK Points:

    You are entitled to earn PAYBACK points on every retail transaction. Earn 6 PAYBACK points for every Rs. 100 you spend on fuel at any HPCL station. Collect 2000 points to get Rs. 500 worth fuel. Earn 2 PAYBACK points on any other retail transaction.


    Fill up your fuel tank at any HPCL pump and you will earn 2.5% cashback and 2.5% savings on fuel surcharges. Earn up to Rs. 100 cash back by swiping your ICICI Bank HPCL Coral American Express Credit Card.


    Get Rs 100 discount on 2 movie tickets in a month when you buy tickets on There are a limited number of tickets available per day under this scheme. The discount is available on first come first serve basis.

    Culinary Treats program:

    You can save 15% at more than 800 participating restaurants. You can visit the culinary treats website or download the app from the Apple Store and Google Play.

    Exclusive American Express benefits:

    EzeClick :

    An easy solution to online payments for the American Express cards. With EzeClick, you don’t need to enter your card details every time you shop. You just need one ID that simplifies the checkout process. The process is completely secure with the American Express Safekey. EzeClick has over 7500 partners for you to shop online easily.

    Lounge Access:

    Your ICICI Bank HPCL Coral American Express Credit Card entitles you to complimentary access to a number of airport lounges in India. Present the card at the reception to get access into select lounges.

    American Express Selects:

    Enjoy a variety of offers, discounts and deals on travel, shopping, dining and entertainment around the world.

    Shopping Connection:

    Register with any of the American Express global shipping partners to enjoy shopping at US and European stores. Your orders will be delivered to your doorstep in India. Save money on shipping and take advantage of better shipping solutions. The activation or setup charges are waived. Some of the partners are, eshopex and Bongo international.

    Global Dining Program:

    Get special offers at participating restaurants in cities across the world. You stand to get 20% discount on your food bill, or a complimentary appetizer, a bottle of wine or a dessert. Mention that you are an ICICI Bank HPCL Coral American Express Card member while making a reservation and pay with the card to receive the offer.

    ICICI HPCL Coral American Express Card Features:

    Microchip embedded:

    The ICICI Bank HPCL Coral American Express Credit Card is embedded with a microchip that enhances security and prevents counterfeiting and duplicate cards. The card has an added layer of security which is the PIN (Personal Identification Number). The PIN is required when you make transactions at merchant outlets. Online transactions do not require the PIN. For added security on the internet, register for 3D Secure (American Express Safekey).

    Annual fee waiver:

    Spend Rs. 50,000 or more annually on your ICICI Bank HPCL Coral American Express Credit Card and the annual fee of Rs. 199 will be waived for the year.

    Fuel surcharge waiver:

    Use your credit card to save the 2.5% fuel surcharge fee. You can avail of this waiver on fuel purchase where the transaction value is up to Rs. 4,000 at HPCL pumps.

    Attractive interest:

    Get interest rates as low as 1.25% per month. This is determined based on credit history, purchase and repayment behaviour, loyalty and so on. The maximum interest you can incur is 3.50% per month in case of defaults. Enjoy interest-free grace periods of 18-48 days.

    Important Fees and Charges:

    Joining FeeRs. 199 + service tax
    Annual FeeRs. 199 + service tax. Waived for the first year.
    Supplementary CardNil
    Interest on overdue cash advance and extended credit3.40% per month (40.80% annualized).

    Other Fees and Charges:

    Cash advance transaction fee2.5% of transaction amount, or a minimum of Rs. 300.
    Reward redemptionRs. 99 will be charged for handling and courier of redemption requests. For online and in-store redemptions at PAYBACK Online Partner Brands, Rs. 25 is charged.
    Dial a loan transaction fee3% of the loan amount, subject to a minimum of Rs. 300.
    Overlimit2.5% of the overlimit amount, subject to a minimum of Rs. 500.
    Cheque or cash pick upRs. 100
    Cheque return2% of the total amount payable, subject to a minimum of Rs. 250.
    Auto-Debit return fee 2% of the total amount payable, subject to a minimum of Rs. 250.
    Cash payment at bank branchRs. 100
    Outstation cheque processing charge1% of the cheque amount, subject to a minimum of Rs. 100.
    Card replacementRs. 100
    Chargeslip requestRs. 100
    Surcharge on railway booking1.80% of the transaction amount for online bookings. 2.5% for any other booking.
    Fuel surcharge2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.
    Service taxApplicable on interest, fees, surcharge and other fees, service tax is charged at 12.36%.

    Late Payment Charges:

    Total Amount DueCharges
    Up to Rs. 99Nil
    Rs. 100 - Rs. 500Rs. 100
    Rs. 500 - Rs. 10000Rs. 500
    Rs. 10000 - Rs. 20000Rs. 600
    Above Rs. 20000Rs. 700

    ICICI HPCL Coral American Express Credit Card FAQs:

    1. How long does it take to process a credit card application?

      Once ICICI receives your application and all required documentation, it can take up to 21 working days to process.

    2. How do I pay my credit card bill?

      You can pay your credit card bill in the following ways:

      • Drop a cheque in the drop boxes provided at the ICICI bank branches and ATMs.
      • Pay by cash at the ICICI bank branches.
      • Auto-debit facility which is available to all ICICI Bank account holders.
      • Schedule payments through internet banking or through the customer care center.
      • If you do not hold an ICICI bank account, you can still pay from another bank online through the Click to pay option.

    3. What are the steps to take in case of lost or misplaced card?

      In case your card is lost, misplaced or damaged, kindly inform ICICI Bank on their Customer Care line. The card will be blocked and a new card will be issued. You will receive the card within 7 days.

    4. What is the minimum amount due?

      The minimum amount due is the amount that you absolutely have to pay by the due date. If you choose to pay the minimum amount and carry forward the outstanding balance, interest will be charged on the amount carried forward and any subsequent purchases.

    5. How is the minimum amount due calculated?

      5% of the total amount outstanding will be the minimum amount due. ICICI reserves the right to change the minimum amount due at its discretion.

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