HPCL ICICI Coral vs Indian Oil HDFC
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HPCL ICICI Coral Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.3/10 vs 7.2/10.
| Feature | HPCL ICICI Coral | Indian Oil HDFC |
|---|---|---|
| CardTrail Score | 7.3/10 | 7.2/10 |
| Annual Fee | ₹199 | ₹500 |
| Base Reward Rate | 0.5% | 0.67% |
| Max Reward Rate | 4% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HPCL ICICI Coral
- You can meet the fee waiver condition: Spend ₹50K/year
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: fuel, beginner
When to Choose Indian Oil HDFC
- You can meet the fee waiver condition: Spend ₹50K/year
- You want higher rewards — up to 5% vs 4%
- Your primary spend is: fuel, cashback
Annual Fee Value Analysis
To break even on HPCL ICICI Coral's ₹199 fee at 0.5% rewards, spend ₹3,317/month.
To break even on Indian Oil HDFC's ₹500 fee at 0.67% rewards, spend ₹6,219/month.