ICICI HPCL Coral Credit Card

ICICI Bank offers a number of credit cards to cater the needs of its customers. HPCL Coral Visa Credit Card is one of them which is created to satisfy the needs of certain customers who show great interest towards travelling. ICICI Bank HPCL Coral Visa Credit Card may not be useful to all kinds of customers. Want to know who are those special customers? Read this article to gather more knowledge.

Last modified:2019-06-25


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ICICI Bank HPCL Coral Visa Credit Card

Are you a frequent traveler who explore local stations and attractive locations through your car or bike and spend maximum expenditure on fuel filling? Then this card is the best option for you. Apply for this card and earn maximum reward points. By using this card then you will definitely save your maximum amounts. This is one of the best options for someone who looks to save their maximum on travel expenses, especially in bike fuel.

ICICI Bank HPCL Coral Credit Card is a joint venture between ICICI bank and HPCL (Hindustan Petroleum Corporation Limited), as we all know that HPCL is one of the leading oil distributor companies across the country. Apart from benefits on fuel, card users will get plenty of exciting facility with this card. In short, it can be said that it offers tremendous offers and deals for card users.

Joining fees Rs.199
First Year Annual Fees Nil
Renewal fees from 2nd year Rs.199
Interest Rate/Finance charges per month 3.40%
Late Payment Charges Rs.0-700
Brand Partner HPCL

Fees and Charges of ICICI Bank HPCL Coral Visa Credit Card

Each bank has its own fees and charges. Likewise, each credit card will have different fees and charges allotted. As a smart user, it is important to understand the market needs and always read the market terms and conditions to avoid conflicts in the future. Let’s have a look at the following table to know about the fees and charges of ICICI Bank HPCL Coral Visa Credit Card.

Joining Fees Rs.199 (taxes applicable from the second year)
Cash Advance Fees 2.50% of the total amount
Dial a Draft Transmission Fees 3% of the total amount
Redemption handling Fees Rs.25 for PAYBACK points
Rs.99 for catalog based redemption
Foreign Currency Transaction Charges 3.5% of the amount to be transferred
Over Limit Charges 2.5% of the total amount and the minimum amount should be Rs.500
Card Replacement Fees Rs.100
Cash/Cheque Pickup Fees Rs.100
Charge Slip Request Fees Rs.100
Cheque Return Fees 2% of the total amount due, minimum amount be Rs.450
Outstation Cheque Processing Fees 1%

Late Payment Charges:

  • If the total amount is less than Rs.100 then late payment charge will be 0
  • If the total amount is between Rs.100 and Rs. 500 then the charge will be Rs.100
  • If the total amount is between Rs. 501 and Rs.10,000 then the charge will be Rs.500
  • If the total amount is between Rs. 10,001 and Rs. 20,000 then the charge will be Rs. 600
  • If the total amount is more than Rs. 20,001 then the charge will be Rs.700

Grace Period: The interest-free grace period granted by the bank is 18 to 48 days.

Credit and Withdrawal limit: The credit and withdrawal limit will be intimated at the time of handover of the card and would also be mentioned in the monthly statements.

Why Choose ICICI Bank HPCL Coral Visa Credit Card?

Before choosing a credit card, you need to analyze and study the main features of the card. Make sure that the card brings maximum profit to your lifestyle. ICICI bank offers credit cards for all types of customers with different types of lifestyles. Following are the main reasons why you should choose ICICI Bank HPCL Coral Visa Credit Card.

  • Dining Benefits
  • Complimentary Airport Lounge access
  • Opportunity to waive off annual subscription fees
  • Fuel surcharge waiver
  • Movie ticket booking benefits

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

As per norms of PAYBACK points, when this card is used at HPCL fuel station then you will receive 2.5X extra reward and total benefits up to 5X of amount spends. As per this offer if you spend Rs.100 then you will receive 5 PAYBACK points.

PIN and Chip Security

Latest ICICI Bank Coral credit card is embedded with a highly configured microchip that offers extensive security and prevents transaction duplication. Some other points related to this security system are:

  1. This system generates an extra security layer by configuring user personal identification number (PIN).
  2. While performing the transaction at terminals at merchant outlets, a successful transaction will be possible only after entering correct password or PIN number.
  3. To perform online transaction you need to enroll your card for 3D secure and after successful enrollment, no password or PIN will be required while performing transaction online.

Airport Lounge Access Facility

Another exclusive facility that you will get is free access to airport lounge across the country, but this offer will be applicable per quarter. Other facilities will be allowed with paid access for an unlimited period of time. This facility is for master and visa card holders, as per this offer you will enjoy free Wifi, comfortable seating, gourmet meal, wide screen TV along with beverage services. To grab all these exclusive services you need to submit boarding pass and credit card to the respective authority.

  1. Successful ticket booking will be based on first come first serve (FCFS) concepts.
  2. Always read all the terms and condition related to this particular offer.
  3. As per offer criteria, minimum ticket price must be Rs.250.
  4. The user may go for two complimentary tickets per month.
  5. The success of ticket bookings depends on the availability of ticket stocks.
  6. Card users will get free access of round clock banking service along with internet banking and mobile banking.

Welcome Gift

As per the policy of bank after successful sign up for a card, a user will receive a welcome gift worth Rs. 999. This card will be delivered at your permanent residential address of right after one month of joining fee payment.

Dining Benefits

All registered member of ICICI bank HPCL coral card will get up to 15% off on hotel or restaurant dining bills, this offer is rendered by ICICI bank under ICICI Bank Culinary Treats Programme in more than 2500 restaurants in more than 12 major cities across India. This is the best option for people who love to treat their taste buds with different types of food. If someone is using the master card then they will be able to enjoy extra comforts and luxuries under Mastercard Moments program availed by the Mastercard.

What are the Features of HPCL Coral Visa Credit Card?

It is very important to read the terms and conditions of the credit card before applying. Likewise, it is also significant to know the features of the card so that you will know what the card offers you. It will help you know the difference between the other cards in your priority list. The features of ICICI bank Coral Visa credit card is mentioned below to help you find out what makes this card a different one when compared with others.

  1. If the cardholder spends more than Rs.4000 at HPCL petrol pumps then they will not only receive cash back as a reward but also fuel surcharge waiver. Always remember that this offer will be applicable only if you swipe your credit card at HPCL fuel station, ICICI payment terminal.
  2. The user will receive up to 2.5% cash back on the amount spent to fill their vehicle at HPCL petrol pumps with ICICI Coral Credit Card. To grab this offer, always swipe your card in an ICICI Bank payment device and as per terms and conditions, the maximum possible cashback amount will be INR 100
  3. HPCL Coral Card user will get offers like buy 1 get 1 when the card user books movie ticket from BookMyShow. This offer is applicable if a user books 2 or more tickets.


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What are the Eligibility and Documentation Requirements of ICICI Bank HPCL Coral Visa Credit Card?

Every bank has its own eligibility criteria and documentation requirements based on the feature of the credit card. Before issuing the credit card to you, the bank will put yours through a process post which you will receive an approval to own the credit card you desire.

Eligibility:

  • Salaried applicant must earn a monthly income of Rs.45,000
  • A self-employed applicant must earn 5.4 lakhs per annum
  • The primary cardholder should be more than 23 years old
  • Add on cardholder should be 18 years old  

Documentation Requirements:

  • Address proof: Electricity bill, Aadhaar card, Rental agreement etc
  • ID Proof: Driving license, Pan Card, Voter ID, Aadhaar card etc
  • Last 3 months bank statement (for a self-employed applicant)
  • Last 3 salary slip ( for a salaried applicant)

How to Apply for HPCL Coral Visa Credit Card?

The application process for an ICICI bank credit card through online is very easy when compared to offline mode. Many users prefer this online process because it can be done from where the user is seated. The online portal is designed in such a way that you do not find any kind of difficulty during the process.

  1. You should visit the official website of ICICI bank.

  2. Just select HPCL Coral Visa credit card and click Apply Now.

  3. Enter your details and submit.



The bank’s representative will collect the documents at your doorstep or you can also visit one of the nearest ICICI bank branches to directly fill the form, attach the documents and submit. For more details about the application process, you can refer our ICICI Bank credit card article

Major Drawbacks of ICICI Bank HPCL Coral Visa Credit Card

Everything in this world has its own disadvantages when it has the advantage to satisfy certain needs. Likewise, this ICICI Bank HPCL Coral Visa Credit Card has few drawbacks which will make you aware of the difficulties involved in the usage of this card. 

Higher Interest Rate

ICICI bank credit card interest rate is comparatively high, with respect to facilities and services offered by the respective bank. As per the latest updates, the monthly interest rate is around 3.50% and around 42% per annum. These rates may vary on the basis of your transaction record, payment behavior, credit history, loyalty, etc. In case you are not using the card to perform transactions as per the bank’s criteria, you will have to pay higher interest rates.

No Cash Back Offer

Not offering the facility of cash to the user is one of the major concerning points for ICICI bank. This is important because all other respective card offers this facility to the card user. This card may not be ideal for you if you are a person who looks for cashback offers.

No Golf Privilege

If you are someone who explores golf course regularly, then this card wouldn’t be the right one for you. Always remember that if you are looking for this type of facility then you need to pay more fees than what you are paying for ICICI Bank HPCL Coral credit card. One of the major reasons behind all this is that golf course accessing facility comes under premium cards and charges for these types of card fees will be between INR 3000 to INR 10000.

Complicated Reward Earning Process

The user can easily use their rewards points when they pay the bill for dining, supermarkets, groceries. Another fact is that the user earns two rewards points, and using this card at the fuel station, there is no policy to redeem any PAYBACK points.

How to Compare Cards?

You can now compare cards on the official website of ICICI Bank by choosing the option “Products” from the secondary menu bar which will have a drop down box with the option “Cards”. Click on credit cards and you will be directed to a webpage displaying all the credit cards offered by ICICI Bank. You will find an option “Compare Cards” click on it and it will redirect you to a webpage which will allow you to compare any 3 credit cards from ICICI bank. Details about the features, average ratings, and joining fees will be shown to help you choose the best option.

ICICI Bank Credit Card Customer Care

ICICI Bank credit card customers can contact ICICI bank credit card customer care for any unresolved query through calls, email, and SMS. Here are the details:

ICICI Bank credit card customer care toll-free number: For any queries or grievances, you can call on toll-free number 1800 200 3344 between 9 am to 6 pm from Monday to Friday. For 24x7 help, customers can contact on state-wise ICICI Bank credit card customer care numbers.

ICICI Bank credit card customer care Email ID: ICICI Bank credit card holders can submit their grievances by filling up the complaint form by mentioning their registered email ID.

ICICI Bank credit card customer care address for communications through emails and couriers:

ICICI Bank Limited

ICICI Phone Banking Canter,

ICICI Bank Tower, 7th floor,

Survey no: 115/27, Plot no. 12, Nanakramguda,

Serilingampally,

Hyderabad - 500032


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