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    ICICI Bank HPCL Platinum Credit Card Reviews

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    ICICI Bank HPCL Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    Overview:

    ICICI Bank offers a credit card that promises great rewards with the option to save intelligently as well. No more fuel woes or those nasty surcharges. The ICICI Bank HPCL Platinum Credit Card combines the best of rewards and savings and presents a card that is simple, hassle free and allows customers to manage their hard earned dough. With minimal charges and fantastic benefits, the HPCL Platinum Credit Card is a boon in disguise.

    Savings and Rewards: With 2.5% cashback, reduce fuel bills:

    Customers can avail a maximum of Rs. 100 when they purchase fuel at all HPCL petrol pumps year on year and month on month when ICICI Merchant swipe machines are used to swipe the credit cards.

    Save on the fuel surcharge:

    ICICI Bank HPCL Platinum Credit Cardholders can now avail a fuel surcharge waiver of 2.5% when fuel transactions are of a maximum of Rs. 4000 at all HPCL pumps. This is available only when the cards are swiped on ICICI Merchant Services swipe machines.

    Rewards by PAYBACK:

    Every time ICICI Bank HPCL Platinum Credit Cardholders spend Rs. 100, they receive accelerated 2.5X Rewards. Customers can receive 2 PAYBACK points on spends and 5 PAYBACK points on spends related to fuel. Users can also use their PAYCHECK membership card at selective HPCL petrol pumps to immediately receive points that can be redeemed for fuel. Apart from this, customers can also receive fuel worth Rs. 500 for every 2000 PAYBACK Points that they earn.

    Annual Fee Savings:

    ICICI Bank HPCL Platinum Credit Card holders stand the chance to reverse their annual fee of Rs. 199 by spending Rs. 50000 or more on their card annually. Customers should note that, in order to be eligible for this offer, their credit card should not have been cancelled during the time of applying for the annual fee reversal.

    Additional Benefits of the ICICI Bank HPCL Platinum Credit Card:

    Off on movie tickets:

    Customers can procure a discount of Rs. 100 on any given day during the week on tickets booked through Book My Show. This discount is available two times each month and if customers do not book tickets, they can save Rs. 2400 every year. It is to be noted that the tickets issued are limited and can be procured on a first come first serve basis as long as the daily limit is available.

    Savings on Dining:

    ICICI Bank HPCL Platinum Credit Card users can enjoy lip-smacking delicacies at more than 800 restaurants across the country while saving a minimum of 15% thanks to Culinary Treats, which is the premier dining program by ICICI Bank.

    Offers on Wellness, Dining and Hotels:

    Appreciate the value of a good life within the country or even abroad thanks to amazing deals offered by VISA with wonderful offers from lifestyle stores, spas, restaurants and more.

    Fees and Charges for the ICICI HPCL Platinum Credit Card:

    Joining FeeRs. 199 plus service tax
    Annual Fee for the first yearNil
    Annual Fee for the second yearRs. 199 plus service tax
    Supplementary Card FeeNil
    Overdue Interest on Extended Credit40.80% annually which is 3.40% each month
    Interest on Cash Advances40.80% annually which is 3.40% each month
    Cash Advance - Transaction FeeA minimum of Rs. 300 or 2.5% on the advance amount
    Redemption Handling FeeRs. 99 for catalogue based redemptions and Rs. 25 for redemptions that are either store bought or online from brands that are PAYBACK Online partners.
    Dial-a-draft Transaction FeeA minimum of Rs. 300 or 3% of the draft value amount
    Over limit ChargesA minimum of Rs. 500 or 2.5% on the over-limit amount
    Return of Cheque2.5% of the total amount that is due or a minimum of Rs. 250
    Auto Debit Return Fee2.5% of the total amount that is due or a minimum of Rs. 250
    Fee on Cash Payment at branchesFor every payment transaction, Rs. 100 is charged
    Outstation Cheque Processing Fee1% of the value of the cheque or a minimum of Rs. 100
    Duplicate Statement RequestIf more than 3 months, then Rs. 100 is charged
    Fee for replacing the cardRs.100
    Cash/Cheque pick up feeFor every pick-up, Rs. 100 is charged
    Chargeslip RequestFor every chargeslip
    Foreign Currency TransactionMark up of 3.50%
    Service TaxCurrently, 12.36%

    ICICI HPCL Platinum Card FAQs:

    1. Is there a joining fee applicable for the card?

      Yes, there is a joining fee of Rs. 199 that is charged while availing the ICICI Bank HPCL Platinum Credit Card

    2. Is there a surcharge applicable on railway bookings?

      Yes, there is a surcharge of 1.805% of the transaction amount that is charged if tickets are purchased online and in other cases, there is a surcharge of 2.50% of the transaction value that is charged.

    3. What are the late payment charges?

      Charges are applicable based on the total amount due. This is given in the table below

      Total Amount DueCharges
      > Rs. 100None
      Rs. 100 - Rs. 500Rs.100
      Rs. 500 - Rs. 10000Rs.500
      Rs. 10000 - Rs.20000Rs.600
      < Rs. 20000Rs.700
    4. Can the annual fee be reversed at any given time?

      During the anniversary year, if total spends total up to Rs. 50000 or more than for the following year, there is no annual fee charged.

    5. How long does it take for a new credit card to be processed?

      New credit cards take up to 21 days to be processed.

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