Entry-LevelEntryVisa✦ HPCL

HPCL Coral Credit Card

Fuel rewards that actually pay back

Annual fee₹199Waived on ₹0.5L spend

RewardsEarn 2 Points on every ₹100 spend on Retail Spend, 1 Point on every ₹100 spend on Utility & Insurance Spend

Forex markup3.5%3.5%

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Rewards

Base earn rate

Earn 2 Points on every ₹100 spend on Retail Spend, 1 Point on every ₹100 spend on Utility & Insurance Spend

Excludes: Utility, Insurance

Category	Details
Retail	Earn 2 Points on every ₹100 spend on Retail Spend
Utility insurance	Earn 1 Point on every ₹100 spend on Utility & Insurance Spend

Redemption options

Merchandise:Redeem reward points for Health & BeautyMerchandise:Redeem reward points for Travel & LuggageVoucher:Redeem reward points for Shopping VoucherMerchandise:Redeem reward points for Home AppliancesMerchandise:Redeem reward points for ElectronicsMerchandise:Redeem reward points for Fashion & Lifestyle

Cashback categories

fuel

Credit cycle: monthly

• Redemption fee: ₹99

Fees & charges

Joining fee: ₹199 + GST
Annual / renewal fee: ₹199 + GST
Annual fee waiver: Spend ₹50,000 and get your annual Fee waived off for the next year
Add-on card fee: ₹199
Interest rate: Pay interest of 3.75% per month
Interest-free period: 48 days
Cash advance fee: 2.5% of amount, min ₹500
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5%
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Income (salaried): Salaried individual with a monthly income of ₹20,000. Self-employed individual with an annual income of ₹2,40,000
Income (self-employed): ₹2.4L/year
Age: 21–65 years

Employment types

SalariedSelf-Employed

Required documents

identity_proof
address_proof
income_proof

Features

✓ Chip & PIN

Additional features

The Credit Card comes with an embedded microchip that provides enhanced security against counterfeiting and duplication. For transactions at merchant outlets, customers must enter a Personal Identification Number (PIN) to complete the payment. However, this PIN is not required for online transactions.

Card management via iMobile.