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About ICICI Bank HPCL Coral American Express Credit Card
ICICI bank is one of the largest and most renowned banks in India. With an array of varied products and benefits, the core motive of the bank has always been to satisfy the financial needs of its customers. One of the most appreciated products of ICICI has been its widely significant segment of Credit Cards. One of them is ICICI Bank HPCL Coral American Express Credit Card. ICICI Bank HPCL Coral American Express Credit Card is a fuel Credit Card offered by the ICICI Bank which comes loaded with many benefits, offers and schemes guaranteed to please its bearer.
If you have been constantly worrying about the rise in your fuel expenditure, then here is your saviour! With ICICI Bank HPCL Coral American Express Credit Card, not only you will be able to make substantial savings on your fuel expenditure but would also fall in love with its massive benefits and offers. Keep scrolling to know more about it!
Features of ICICI Bank Coral American Express Credit Card
A few of the features and benefits of ICICI Bank Coral American Express Credit Card are given below:
- Every purchase worth ₹100 on fuel at HPCL, will earn you 3X or 6 PAYBACK points.
- Every 2000 PAYBACK points will earn you fuel worth ₹500
- Every fuel purchase at HPCL, will earn you 2.5% cashback and 1% surcharge waiver
- On bookings made through Bookmyshow, you will earn ₹100 off on up to 2 movie tickets a monthly
- Courtesy Culinary Treats Program, you will get a minimum of 15% off on your dining bills at over 800 restaurants across the country.
- A cashback of 2.5% on fuel purchase at HPCL stations would be applicable from May,2017 on a minimum transaction of ₹500
- The annual fee of the subsequent year would be reversed on a total expenditure of ₹50,000 and above.
- American Express Connect: American Express Connect provides a wide variety of offers across travel, lodging, dining, retail and online shopping.
- American Express ezeClick: American Express ezeClick provides swifter, easier and smarter options for online transactions. With this option you would be able to save your time of feeding-in your card details at every transaction and would only have to use a single User ID.
- Lounge Access: With ICICI Bank HPCL Coral american Express Credit Card, you can enjoy access to select airport lounges across India and cherish the experience.
- American Express EPAY: With American Express EPAY, you can enjoy the facility of ‘Auto Pay’ and cherish the ease of paying your utility bills in just one step.
Additional Charges and Processing Fees
Below are given the charges and fee that the applicant would have to pay while availing the card and on an annual basis:
- ICICI Bank charges a joining fee of ₹199 along with applicable Service Tax while giving you access to your ICICI Bank HPCL American Express Coral Credit Card.
- There are no ICICI HPCL Coral American Express Credit Card annual charges for the first year of membership. After the first year, an annual fee of ₹199 is chargeable along with the applicable Service Tax.
- There is no supplementary card fee that is charged on ICICI HPCL Coral Credit Cards.
- The bank charges an overdue interest on extended credit and cash advances of 3.40% on a monthly basis which cumulates to become 40.80% annually.
Criteria Of Eligibility
ICICI bank follows the following eligibility criteria:
- Age Limit: The age limit of the applicant must come under the bracket of 18 years to 60 years. The add-on age limit is 15 years.
- Income Stability: The applicant must have a stable source of income to keep up with the process of repayment.
- Nationality: The applicant must possess the Indian Nationality.
- Credit Score: The applicant should have a good credit score and shouldn’t have had credit defaults in the past.
The documents required to apply for the ICICI Bank HPCL Coral American Express Credit Card are:
- Proof of Identity
- Proof of Address
- PAN Card
- ITR or salary slips for the last 2 months
- Passport sized photographs
Terms & Conditions
The terms and conditions for the ICICI Bank HPCL Coral American Express Credit Card are as follows:
- Late Payment Charges: The card bearer would have to pay the late payment charges as follows
- ₹100, if the late amount due is between ₹100-₹500
- ₹500, if the late amount due is between ₹501- ₹10,000
- ₹750, if the late amount due is more than ₹10,000
- Over limit charges: ICICI bank charges 2.50% (a minimum of ₹500) on the over-limit amount if the card bearer exceeds the prescribed limit of the card.
- Grace Period: The interest-free grace period allowed by the bank is between 18 to 48 days.
- Credit and Withdrawal Limit: The Credit and Withdrawal Limit is communicated to the card-bearer at the time of delivery of the card and would also be indicated in the monthly statements.
Customer Care 24X7 Number
ICICI Bank has a quick and efficient Customer Care division to help out with the queries and concerns of the customers. You can reach out the ICICI Customer Care by:
- Calling their Customer Care 24X7 Helpline on 1800-102-4242 between 9am to 6pm from Monday to Friday
- Visiting the ‘Complaint Form’ on the official website of ICICI Bank
- Writing to the Nodal Officer at the address mentioned on the official website of ICICI bank
PS- Do mention your Credit Card Number while getting in touch with ICICI Customer Care.