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  • ICICI Bank HPCL Coral American Express Credit Card

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    ICICI Bank HPCL Coral American Express Credit Card

    ICICI HPCL Coral American Express Card

    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.

    Cashback:

    Fill up your fuel tank at any HPCL pump and you will earn 2.5% cashback and 1% savings on fuel surcharges.

    Entertainment:

    Get Rs 100 discount on 2 movie tickets in a month when you buy tickets on bookmyshow.com. 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

    American Express Connect:

    Customers can enjoy a number of benefits across categories such as lodging, retail, dining and shopping with a number of merchants.

    Epay:

    Through Epay, cardholders can make easy online payments for their utility bills in a secure and convenient manner.

    American Express ezeClick:

    The American Express ezeClick is a quicker, secure and smarter online payment solutions.

    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.

    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 of ICICI HPCL Coral American Express Card

    Charge   Amount
    Joining Fee   Rs. 199 + GST
    Annual Fee   Rs. 199 + GST. Waived for the first year.
    Supplementary Card   Nil
    Interest   1.25%-3.50%
    Interest on overdue cash advance and extended credit   3.40% per month (40.80% annualized).

    Other Fees and Charges ICICI HPCL Coral American Express Card

    Charge Amount
    Cash advance transaction fee 2.5% of transaction amount, or a minimum of Rs. 300.
    Reward redemption Rs. 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 fee 3% of the loan amount, subject to a minimum of Rs. 300.
    Cheque or cash pick up Rs. 100
    Cheque return 2% 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 branch Rs. 100
    Outstation cheque processing charge 1% of the cheque amount, subject to a minimum of Rs. 100.
    Card replacement Rs. 100
    Chargeslip request Rs. 100
    Surcharge on railway booking 1.80% of the transaction amount for online bookings. 2.5% for any other booking.
    Fuel surcharge 2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.

    Late Payment Charges of ICICI HPCL Coral American Express Card

    Total Amount Due Charges
    Up to Rs. 99 Nil
    Rs. 100 - Rs. 500 Rs. 100
    Rs. 500 - Rs. 10000 Rs. 500
    Rs. 10000 - Rs. 20000 Rs. 600
    Above Rs. 20000 Rs. 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.

    Top Credit Cards by American Express:

    ICICI Bank HPCL Coral American Express Credit Card Reviews

    • ICICI Bank Credit Card
      "Good Service and low Limit"
      0.5 4.0/5 "Great!"
      I've been using the ICICI BANK Visa Platinum Credit Card for an year. The credit limit they offered me was really low. They gave me 30000 limit and I contacted them and requested for a card with a better credit limit. Hopefully it will be approved soon. Other than that I've no issues with ICICI Credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with ICICI bank which was taken 2 years back. They have offered coral card and the credit limit was 40,000.The customer service and responses was up to the mark. Here the charges are very nominal in case of late payment .I am getting reward points as benefits for this.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I am not satisfied with the credit limit which they have provided me. I have not used this card much. There was some joining fee which they had charged me. They have called me and said about a Health Insurance which was activated with the card which was charging me the premium of Rs.400 every month, which was not even informed me while i was taking the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been using ICICI Platinum card for the last two years, and i am satisfied with the credit limit which they have provided me. I generally use this card for online purchases most of the time. I am getting some cashback offers in book my show.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I use the ICICI bank platinum chip credit card for more than 2 years. The customer support service is good with he ICICI bank and I am not happy with eh credit limit value , still they are not increasing the credit limit as well, it would be good if they can increase the credit limit value in future.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I have the ICICI bank coral visa credit card for the past 4 years. The credit card service is average with the ICICI bank, they need to improve with their service part. The credit limit value is average with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the ICICI bank platinum chip credit card for more than 10years. The customer support service is good with the ICICI bank. The credit limit value is good with the ICICI bank platinum chip credit card. The reward points and the cash back offers are good with the ICICI bank platinum chip credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Not so good"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Icici bank, I use this card occasionally. I am not completely satisfied with the card, as the benefits are not so good and the features are also not satisfactory. I just hold this card and I just use it sometimes. I would rate this card as an average.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI bank and i have received reward points with the card.I have not redeemed the reward points. Its a good card. The application with the card is fine.The customer service is good. There is no annual charge with the card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I'm using the ICICI BANK Coral Visa Credit Card for the past 1.5 Years. This card offers no exceptional features. The Credit Limit they offered me is 60000 and the way I see, it is very low. Overall I don't have any problems with this card other than the lower credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank credit card from last 4 years, the credit card services are not up to the mark as there are no good offers on this credit card. I have to pay an annual fee every year for this credit card. The credit limit is very less when compared to other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have got the ICICI bank coral visa credit card for more than 5 to 6 years. The customer support service is good with the ICICI bank and they give good response to the customers. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from last 16-17 years, my experience with this credit card was good so far. I have a coral credit card where i did not find any good offers and no good benefits. I am happy with the credit limit and there is no annual fee charged for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Service needs Improvements"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI Platinum Visa Card for the past 2 Years. The rate of interest is bit high when comparing to other cards. Their customer support staff must behave in a polite and friendly manner. Their follow up is good but not so polite which certainly needs to be changed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      There wasn't any specific reason to choose the ICICI GEMSTONE CORAL CONTACTLESS CREDIT CARD. I have't used the card much and In terms of the features and benefits I haven't done any research before purchasing this credit card. I'll have to wait and see how this card turns out after few months usage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "ICICI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold an ICICI bank credit card and i am satisfied with my limit. I get reward points and cash back with the card and not yet redeemed the reward points. There is no annual charge with the card. I get good offers as well. The service with the card is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I got the ICICI bank platinum visa chip credit card around a year ago. The credit limit value is low with this card and i t would be good if they can increase the credit limit value. The benefits and the offers are average with this card and i am not satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The credit limit value is good with the ICICI bank platinum chip credit card. I use this card for more than 2 years. The customer support service is good with the ICICI bank and i am satisfied with their service. I would say it is a better card to use.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have my credit card with ICICI Bank 5months back. The credit limit was 60,000 which is satisfactory and i hold coral card .I did not get the pin still so i am not suing it . The customer service and responses was not good and I have no idea about the annul fee also. My overall experience was not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 4.0/5 "Great!"
      I am a privileged customer of ICICI Bank and the customer services are good. I hold a credit card. It is a chargeable card, if I use 30K in a year the charges will be waived off. I am happy with the offers and the credit limit. There are no hassles with the statements too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 25, 2018
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