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  • ICICI Bank HPCL Coral American Express Credit Card

    Fees & Charges

    Promised Interest Rate

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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"
      0.5 4.0/5 "Great!"
      I am holing the credit card with the ICICI BANK but i sue this card seldom with this credit card because the reason is that the credit limit what they have offered is very lower with this credit card. The offers also i get seldom which is lower with this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK from past four years as the card is easy also it is user friendly to access. The credit limit what they have offered is satisfactory with this card added on that the service is very good with this card.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Icici bank for credit card for last 1 years . They used to increase the credit limit based on time to time basis . There is additional charges that too gets waived off after contacting their customer service . Am getting good rewards points for certain transaction too .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "IVR system needs to be develop"
      0.5 5.0/5 "Blown Away!"
      ICICI call center response time too long they need to work on it, the application is very good and the service of the bank is very polite I am fine with the bank not call centers. I have zero balance account with ICICI as my salary account its fine.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The credit limit is fine and the transactions are smooth. The statements are clear and the billing is convenient too. Overall it has been a satisfactory experience.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 1.0/5 "Really Bad"
      For last 11months am using Icici credit card. There customer service and response is good . Am satisfied with the credit limit which they have provided to me in starting as its been based on my salary , they said they will be increasing the limit after 6 month , but still there is no response from them. There is no annual charges for the card .There is no additional charge for the transaction which I make .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK , i am holding this card for past 2 year . They offered me ICICI PLATINUM Credit card . They offered 2.70lakh of credit limit and i am happy with that . Benefit is nothing . I am not so happy with this card because no benefits .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with ICICI BANK , i am holding this card for past 3 year . They offered very low credit limit it is 35000. They provide me with ICICI CORRAL credit card . So fast it has been a good experience with the card and their services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using the ICICI bank credit card for last 1 years. They have given me a credit limit of Rs. 50000 and i have no issues with it. There is no particular offers from ICICI. The service has been provided by ICICI is good and I'm satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card from last 15-20 years, there was no annual fee charged for this credit card. The features and benefits are very good in this credit card. I am happy with the credit limit provided by ICICI bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Services need to be more proactive"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are no charges for the card. The credit limit is fine and there are no issues for the statements too. They need to work on the services. I can get connected easily but they do not sort out my queries.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using a ICICI credit card for Last 4 years, They have increased my credit limit upto Rs. 1.80 Lakhs according to my usage. This is a life time free card. I have not availed any of the offers for last 3 months even though i have received lots of notifications.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the credit card with the ICICI BANK from past 6-7 years as the card is user friendly card to use. There is a rewards points offers with this card added on that they are providing with the EMI conversion which is hassle free process to convert it.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI Bank. I do not use the card much as there are no offers on the card. So when ever I get a 10% flipkart offer, I use the card at that moment. It is a life time free card. The bank can provide more deals when compared to the banks.
      Was this review helpful? 0
      , thane
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have cancelled my ICICI credit card they gave me good experience, they gave me the credit card limit around Rs. 50,000. There is no draw back I have many card that is the reason I have closed the card, Its life time free card. The customer service is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the offers are good. The customer support and response is fine. There are good deals and the statements are clear and sent to me on time. Overall no issues while using the card. The credit limit is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Response should be proactive"
      0.5 1.0/5 "Really Bad"
      I have not get the credit card, one time I got the sms stating my card was dispatched but there was no response. The person came to collected the documents then no reply. There was no processing fee on the credit card. I done all the process but I didn't get the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Process should be easy"
      0.5 3.0/5 "Satisfactory"
      I just applied the card with ICICI, the offers are fine with them. I am not sure about complete offers which is available on my card, the credit limit is low they need to enhanced the limit based on my usage. They have taken long time to dispatched the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for while, they have not charged any annual fee with this card and i am happy with my credit limits which they have given me in this card , the best part is they give good discounts, offers in maximum products..
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card, they have not charged any annual fee in this card and it is life time free credit card and i am happy with my credit limit in this card,there offers is good they provide me good cash back and discounts in card, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
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