# ICICI Bank HPCL Coral Credit Card Visa

**Best for:** Frequent utility and grocery shoppers

**Think twice if:** Rarely spends on utilities or groceries

**Key strengths:** Earn 2 Reward Points on utilities · 2 Reward Points on grocery purchases · Annual fee waived with Rs.50000 spend

## Fees

- **Joining Fee:** Joining Fee of Rs.199
- **Annual Fee:** Annual Fee of Rs.199
- **Fee Waiver:** Spend Rs.50000 For Waiver of Annual Fee
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 2 Reward Points per Rs.100

## People Also Asked

**What are the critical fees associated with the ICICI Bank HPCL Coral Credit Card Visa?**

The ICICI Bank HPCL Coral Credit Card Visa has several critical fees, including an annual fee of ₹500. Additionally, there is a late payment fee of up to ₹1,000, depending on the outstanding amount. Cash withdrawal incurs a fee of 2.5% of the withdrawn amount, with a minimum charge of ₹300.

**What are the benefits of the ICICI Bank HPCL Coral Credit Card Visa?**

The ICICI Bank HPCL Coral Credit Card Visa offers various benefits, including 2.5% cashback on fuel purchases at HPCL outlets, 1% cashback on all other purchases, and a welcome gift of 1,000 reward points. Cardholders also earn 2 reward points for every ₹100 spent on the card.

**Is there any foreign transaction fee for the ICICI Bank HPCL Coral Credit Card Visa?**

Yes, the ICICI Bank HPCL Coral Credit Card Visa charges a foreign transaction fee of 3.5% on all international transactions. This fee is applied to the converted amount in Indian Rupees.

**What is the reward points redemption process for the ICICI Bank HPCL Coral Credit Card Visa?**

Reward points earned on the ICICI Bank HPCL Coral Credit Card Visa can be redeemed through the ICICI Bank rewards portal. For example, 1,000 reward points can typically be redeemed for a gift voucher worth ₹500. Points can also be used for various merchandise and services available on the portal.

**Are there any insurance benefits with the ICICI Bank HPCL Coral Credit Card Visa?**

Yes, the ICICI Bank HPCL Coral Credit Card Visa offers complimentary insurance benefits, including air accident insurance coverage of up to ₹1 crore and purchase protection insurance for items bought using the card, covering theft or damage for up to 90 days from the date of purchase.

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