The ICICI HPCL Coral Visa has a ₹199 annual fee (waived on ₹50,000 annual spend), earns 2 Reward Points per ₹100 and charges a 3.5% forex markup.
| Annual fee | ₹199 |
|---|---|
| Joining fee | ₹199 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 2 Reward Points per ₹100 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
296 online offers across 192 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- EaseMyTrip: Flat Rs.15000 Discount · till 31 Mar 2027
- Croma: Rs.12000 Discount · till 31 Oct
- ixigo: Get Upto Rs.2500 off · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
These are ICICI Bank's own offers and Visa network offers, so they apply to every ICICI Bank Visa card, not just this one. All ICICI Bank offers by category.
People Also Asked
More about the ICICI Bank HPCL Coral Credit Card Visa
Is the ICICI Bank HPCL Coral Credit Card Visa worth it in 2026?
The ICICI Bank HPCL Coral Credit Card Visa offers 2 Reward Points per Rs.100 spent on utilities, groceries, departmental stores, and insurance. With a low joining and annual fee of Rs.199 each, and an annual fee waiver on spending Rs.50,000, it remains a cost-effective option in 2026.
Who should get the ICICI Bank HPCL Coral Credit Card Visa?
This card is ideal for users who regularly spend on utilities, groceries, and insurance, seeking to earn consistent rewards. It suits individuals looking for a low-fee credit card with straightforward reward earning on everyday expenses.
How to maximise rewards on the ICICI Bank HPCL Coral Credit Card Visa?
To maximise rewards, focus your spending on utilities, groceries, departmental stores, and insurance to earn 2 Reward Points per Rs.100. Additionally, aim to spend Rs.50,000 annually to waive off the Rs.199 annual fee, increasing overall value.
What purchases give the best value on the ICICI Bank HPCL Coral Credit Card Visa?
Purchases on utilities, groceries, departmental stores, and insurance offer the best value with 2 Reward Points earned per Rs.100 spent. Regular spending in these categories enhances reward accumulation effectively.