ICICI Bank HPCL Platinum Credit Card
ICICI Bank
Annual Fee
₹199
Joining Fee
₹199 + GST
Base Reward
2% points
Foreign Markup
3.50% on all foreign currency spends.
Fee Waiver
The renewal fee can be waived on spending ₹50,000 or more in the preceding year.
Interest Rate
3.40% per month (or 40.8% annually)
Product Highlights
- 2 Reward points per ₹100 spent on all retail purchases except fuel.
- 2.5% cashback on fuel purchases at HPCL pumps (maximum cashback of ₹100).
- Exclusive dining offers and a minimum discount of 15% on dining bills at partner restaurants with ICICI Bank Culinary Treats Program.
Rewards
2 Reward points per ₹100 spent on all retail purchases except fuel. 2.5% cashback (up to ₹100) on fuel purchases at HPCL pumps when swiped through ICICI merchant services POS machines.
Redemption
1 Reward Point = ₹0.25 for redemption against the card’s statement balance or gifts.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
fuel | 2.5%(2.5% CashBack at HPCL) | No cap |
dining | 15%(Minimum 15% discount at partner restaurants) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| HPCL | 2.5% CashBack(Maximum cashback of ₹100 per month) | offline |
Benefits & Features
International: 2 complimentary airport lounge visits outside India. 2 complimentary airport lounge visits outside India and 2 spa sessions at selected airports in India every year through complimentary Dreamfolks membership.
Fees & Charges
Eligibility
Available Networks
Pros & Cons
Pros
- Low joining fee of ₹199
- 2.5% cashback on fuel purchases at HPCL
- Annual fee waiver on spending ₹50,000
Cons
- Cashback limited to HPCL fuel purchases
- No insurance benefits provided
Additional Info
Annual fee can be waived on spending ₹50,000 in the previous year.
Excluded Categories