ICICI Bank HPCL Credit Card Review

ICICI Bank is one of the most trustworthy banks in India with a huge range of product offerings with a massive client base. ICICI Bank HPCL Credit Card is one of the best credit cards in India specially designed for spending smartly on fuel expenses to save up to 5%. Apart from this, it also offers a plethora of benefits on movie tickets, and dining expenses, bill payments of everyday utilities, etc. let’s take a closer look at its benefits. 

ICICI Bank HPCL Credit Card Review

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person: 
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 + GST
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than ₹3.6lakh. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹199 + GST
  • Annual Fee: ₹199 + GST (from second year onwards)

Benefits:

  • Cash-Back:

This card offers a 2.5% Cash-Back for purchasing fuel at HPCL pumps. (Maximum up to ₹100 on a month availed when the Card is swiped on ICICI Merchant Services swipe machine).

  • Reward benefit:

On spending ₹100 you will receive 2.5X rewards. Customers will get 2 PAYBACK points on spending other than fuel. On fuel, spending gets 5 PAYBACK points. Customers can receive fuel worth ₹500 for every 2000 PAYBACK points.

  • Movie tickets:

This card offers ₹100 off on movie tickets through BookMyShow. You can avail of this discount 2 times per month

  • Dining benefit:

This card offers up to 15% savings on your dining bill, this offer is applicable at 800+ restaurants in India. 

  • Fuel surcharge waiver:

With this card you will get a 1% waiver on fuel surcharges, this offer is applicable at any HPCL fuel stations in India. 

  • Annual fee Waiver:

If you can spend ₹50,000 with your card in a year, then the annual fee for the next year will be waived off.  

Charges:

  • Cash Withdrawal Charge: 2.50% against the withdrawn amount, min ₹300. 
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 1860 120 7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page

Dispute Resolution Process:

100xGain Ratings: 6.5/10

Final Opinion:

Needless to say, this card is specially designed to offer more benefits on fuel, and it offers some extraordinary benefits on dining, movie, and especially on fuel purchase. So if you are just willing to purchase fuel with this card then I think you should go for it, and take it as a secondary card. 

But if you want some more benefits like lounge access, benefits on shopping and travel, etc. which you don’t get with this card. Then there are lots of credit cards out there which may cost a little more but the offerings will be huge, if you want benefits on flight booking then you can go for the Axis Bank Indian Oil Credit Card, or if you want free lounge access, benefits on utility bills then you can go for the Standard Chartered Super Value Titanium Credit Card.  

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