HPCL ICICI Coral vs IndianOil Kotak
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 6.9/10.
| Feature | HPCL ICICI Coral | IndianOil Kotak |
|---|---|---|
| CardTrail Score | 7.3/10 | 6.9/10 |
| Annual Fee | ₹199 | ₹449 |
| Base Reward Rate | 0.5% | 0.5% |
| 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 IndianOil Kotak
- You can meet the fee waiver condition: Spend Rs. 50,000 in a 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 IndianOil Kotak's ₹449 fee at 0.5% rewards, spend ₹7,483/month.