Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank HPCL Coral American Express Credit Card Reviews

    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 1
      , lucknow
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I do have ICICI bank credit card from the last nine years of time. The services are good one with the ICICI bank credit card. They give some general offers and the credit limit they have offered is about a lakh and the card is also charged for it, If you show some transaction in year it will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Convenient to shop with ICICI"
      0.5 4.0/5 "Great!"
      I do have ICICI Coral Master credit card, I got that card before five months. At the time they gave me complimentary offers like two movie tickets and gave the credit of Rs.50,000 its good. ICICI payment gate is good, I am very much happy to hold this ICICI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      I am unhappy with the ICICI bank credit card, as I have other card which has a limit of more than a lakh and this bank has offered me a limit of 40K. When my salary is much more than that limit. The customer services are not up to the mark and so are the features on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My best credit card is the ICICI bank one because I can merge everything with this credit card . I had been with them for some long time. Customer service is good, while it comes to matter of on time settlement. I have never faced the penalty charges till now , also the offers are up to the mark .
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "You should beleive it"
      0.5 4.0/5 "Great!"
      I want to mention ICICI bank credit card is my first choice because their interest rate is very lesser one for the minimum amount payment. Customer service and all is absolutely good. Online services are also an awesome one like its very clean and clear.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the offers on the card is perfect. It is nice to get these deals and I am also informed about it as well. There are emails and messages sent on a regular basis. I also get intimated when ever I use my card. Nice experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Great "
      0.5 4.0/5 "Great!"
      I would say, ICICI credit card is the best one as per my experience till now. Credit limit value is good one and they are increasing the credit limit on yearly basis. Service aspects are really good, also it can be taken care by online itself.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I availed credit card from ICICI bank. This the only card I use and it is a chargeable card. The annual fee is around 150 rupees. I am not happy with the credit limit offered by the bank. But then I am getting reward points and cash back offers on my card. The customer service is really good.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI bank , I am very much happy with the offers and the services. The bank has always been clear in what they communicate and in what they offer. I get regular emails about the on going offers and the credit limit is good as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Recently I applied for the ICICI platinum credit card. Actually I applied for the card through online source. I got good response from the bank, all the verification process been over. I had received a call from ICICI bank where they informed me that the card will be delivered within 8-10 working days. Their customer service is very nice. They contacted me properly and asked for my convenient time in collecting the documents and for the verification part. The services provided by ICICI Bank is fanstatic.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      I am using ICICI Coral Visa credit card, they have upgrade my credit limit, also it is very much satisfactory for me. There are multiple points are available for many transactions and with some cash back offer. ICICI bills are very transparent, I could make convenient payment through their payment gateway.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      ICICI bank has offered me a credit card and there are offers on the card. But there is no proper credit limit. Until the limit is good, I can use those offers. The customer services are good overall. The statements are sent to me on time and it is very much clear.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Convenient to Use"
      0.5 3.0/5 "Satisfactory"
      The credit limit offered by ICICI bank is not satisfactory but it will be upgraded in the future I believe. I use credit card for long time. There is no special benefits on my credit card but reward points and cash back offers are there. I am comfortable in using the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
      I want to say, ICICI bank credit card is the best one for me because the payment used to get reflected in their server in a day of time. I am using ICICI bank credit card from the last four to five months of time. Credit limit value enhancement is not yet experienced but now its a kind of okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Should understand the customer's needs"
      0.5 2.0/5 "Expected more"
      I am holding salary account with ICICI, hence I am using the credit card. Overall service of ICICI, it is not upto the mark, they taking lot of charges for the credit card transaction. Customer service is bad, especially the IVR system automatically calls gets disconnect while ringing. I never spoke with customer service as of now for any queries.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My friends are using ICICI credit card. And I am getting good feedback about the bank from them. The bank is providing more reward points it seems also they are upgrading the credit limit every year. I do not have any idea about their customer service, but the card is really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum Chip credit card of ICICI bank for the past 3 years. I was offered a limit of 55k which is very much sufficient for me. I don't get any kind of cash back offers on my ICICI Bank credit card. This is just a basic card, I did not get any sort of reward points and other offers. But on the other hand, I also get fuel surcharge waiver based on this card. The rate of interest is very much competitive.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
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    ICICI Bank HPCL Coral American Express Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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 2.5% savings on fuel surcharges. Earn up to Rs. 100 cash back by swiping your ICICI Bank HPCL Coral American Express Credit Card.

    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:

    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 MyUS.com, 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:

    ChargeAmount
    Joining FeeRs. 199 + service tax
    Annual FeeRs. 199 + service tax. Waived for the first year.
    Supplementary CardNil
    Interest1.25%-3.50%
    Interest on overdue cash advance and extended credit3.40% per month (40.80% annualized).

    Other Fees and Charges:

    ChargeAmount
    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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