Head-to-head · 🇮🇳 India
ICICI Coral vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 4 of 10
Verdict
ICICI HPCL Coral wins 4-3. Fuel-heavy spenders at HPCL pumps. ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
Side-by-side
| Criterion | ICICI Coral | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹500 | ₹199 |
| Joining fee | · ₹500 | ₹199 |
| Top reward rate | · 1% (general) | 5% (fuel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹150,000 / yr | ₹50,000 / yr |
| Min income | ₹240,000 | · ₹250,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›ICICI Coral vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.