vs
In short: ICICI HPCL Coral has the lower annual fee (₹199 vs ₹500); both charge a 3.5% forex markup.
| Key facts | BOB Easy | ICICI HPCL Coral |
|---|---|---|
| Annual fee | ₹500 | ₹199 |
| Joining fee | ₹500 | ₹199 |
| Annual fee waived | On ₹35,000 annual spend | On ₹50,000 annual spend |
| Top reward rate | 5X Reward Points on Movies | 2.5% Cashback at HPCL |
| Base rewards | 1 Reward Point per ₹100 | 2 Reward Points per ₹100 |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 27 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, ICICI HPCL Coral returns about ₹1,441 more a year after annual fees (₹2,100 vs ₹960 in rewards).
| Spend profile | BOB Easy | ICICI HPCL Coral |
|---|---|---|
| Reward value: top rate / base rate | 1% / 0.2% | 2.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹480 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹960 | ₹2,100 |
| Annual fee | ₹500 | ₹199 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Bank Of Baroda Easy Visa Credit Card and the ICICI Bank HPCL Coral Credit Card Visa both offer rewards and fuel surcharge waivers but differ significantly in their rewards structure and fees. While the Bank Of Baroda card focuses on accelerated points for movies and departmental stores, the ICICI Bank card provides cashback on HPCL fuel purchases and a higher base reward rate. Fee waivers and foreign transaction charges are similar, but their reward redemption options and welcome benefits vary.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Bank Of Baroda Easy Visa Credit Card | ICICI Bank HPCL Coral Credit Card Visa |
|---|---|---|
| Bank | Bank Of Baroda | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.199 |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fee of Rs.199 |
| Annual fee waiver | Spend Rs.35000 For Annual Fee Waiver | Spend Rs.50000 For Waiver of Annual Fee |
| Top reward rate | 5X Reward Points on Movies | Get 2.5% Cashback at HPCL |
| Base rate (other spends) | Earn 1 Reward Point per Rs.100 | Earn 2 Reward Points per Rs.100 |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
The ICICI Bank HPCL Coral Credit Card Visa offers a stronger rewards proposition with a top reward rate of 2.5% cashback at HPCL and a base rate of 2 reward points per Rs.100 spent. In comparison, the Bank Of Baroda Easy Visa Credit Card provides 5X reward points on movies and departmental stores but with a lower base rate of 1 point per Rs.100. At Rs.20,000 monthly spend, the ICICI card yields about Rs.2,100 annually in rewards, more than double the Rs.960 from the Bank Of Baroda card. Additionally, ICICI’s reward points can be redeemed at Rs.0.25 per point, enhancing value.
Neither card lists domestic or international lounge access in our data, and both charge a 3.5% forex markup on foreign currency transactions. Both cards also offer a 1% fuel surcharge waiver, though ICICI’s waiver applies specifically to HPCL fuel purchases with a minimum spend condition, while Bank Of Baroda’s waiver applies generally to fuel. For travel-related benefits beyond fuel surcharge waivers and forex fees, check with the issuers as these are not listed in our data.
The ICICI Bank HPCL Coral Credit Card Visa has a lower joining and annual fee of Rs.199 each, compared to Rs.500 for the Bank Of Baroda Easy Visa Credit Card. Fee waivers require Rs.50,000 spend for ICICI and Rs.35,000 for Bank Of Baroda. Card replacement fees are higher for ICICI at Rs.200 versus Rs.100 for Bank Of Baroda. Overall, ICICI’s card is more cost-effective upfront and annually if you meet the waiver criteria.
ICICI Bank HPCL Coral Credit Card Visa offers reward redemption at Rs.0.25 per point, which can enhance the effective value of earned points. Bank Of Baroda Easy Visa Credit Card allows redeeming points for cashback but specific redemption rates are not detailed in our data.
The Bank Of Baroda card offers a 1% fuel surcharge waiver across all fuel purchases, while the ICICI card’s 1% waiver applies only at HPCL pumps with a minimum monthly spend of Rs.4,000. This makes the ICICI card more targeted for HPCL users.
Consider Bank Of Baroda Easy Visa Credit Card if you prefer accelerated rewards on movies and departmental stores and value a welcome benefit of 500 reward points on Rs.5,000 spend. This card suits users who want straightforward reward categories and a slightly lower spend threshold for fee waiver.
Consider ICICI Bank HPCL Coral Credit Card Visa if you want higher base rewards, cashback on HPCL fuel purchases, and lower annual fees. This card is ideal for frequent HPCL fuel buyers and those seeking better overall rewards value at moderate to high spends.
Bank Of Baroda Easy Visa Credit Card charges Rs.500 annual fee waived on Rs.35,000 annual spend. ICICI Bank HPCL Coral Credit Card Visa charges Rs.199 annual fee waived on Rs.50,000 annual spend.
Bank Of Baroda Easy Visa Credit Card offers 500 reward points on spending Rs.5,000 within 60 days. ICICI Bank HPCL Coral Credit Card Visa does not list any welcome benefits in our data.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Lounge access benefits are not listed in our data for either card; please check with the respective issuers.
Bank Of Baroda Easy Visa Credit Card offers 5X reward points on movies and departmental stores. ICICI Bank HPCL Coral Credit Card Visa offers 2.5% cashback at HPCL and 2 reward points per Rs.100 on grocery, departmental stores, insurance, and utilities.
Bank Of Baroda charges Rs.100 for card replacement, while ICICI Bank charges Rs.200.