Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Bank HPCL Coral American Express Credit 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 fuel credit 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 3X or 6X PAYBACK points for every Rs. 100 you spend on fuel at any HPCL station. Collect 2000 points to get Rs. 500 worth fuel. Earn two PAYBACK points on any other retail transaction.


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


    • Get Rs 100 discount on two 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

    American Express Connect:

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


    • 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 NIL
    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

    FAQs on ICICI HPCL Coral American Express Credit Card

    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?

      Firstly, you have to drop a cheque in the drop boxes available at the ICICI Bank branch and Automated Teller Machines (ATMs). You can also pay cash at the branch. Other than this, auto debit facility is available to the ICICI Bank account holders. You can also schedule payment through intermet banking or customer care. 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 Credit Card Customer Care. The card will be blocked and a new card will be issued. You will receive the card within seven 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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