ICICI Bank HPCL Platinum Credit Card: A Full Guide to Features, Benefits, and How to Apply

Credit cards are an indispensable tool of trade in the modern digital era which is instrumental in managing your daily expenditure. Credit cards come with many benefits from cashback to reward points, and even travel perks which can persist and be useful to any individual. Yet, the other middle-of-the-road options can often feel like they don't do much for you ICICI Bank HPCL Platinum Credit Card Among the hundreds of options out there, one card that a lot of people tend to lean towards would be the ICICI Bank HPCL Platinum Credit Card, particularly for someone who travels a lot and needs to spend a considerable amount on fuel.

The ICICI Bank HPCL Platinum Credit Card is a co-branded fuel card providing fuel benefits along with rewards on everyday spending and special offers on dining, entertainment and travel. If you’re someone who travels a lot, who loves to see movies and spend a lot of the time outdoors at restaurants this card has so many perks you can turn every swipe into something more.

Today in this post, we are going to discuss everything on ICICI Bank HPCL Platinum Credit Card. We’ll discuss what it is, the features, benefits, eligibility, and the application process. You will know whether you should go for this credit card till the end of this post.

ICICI Bank HPCL Platinum Credit Card Review

First, let me introduce you to HPCL.

The ICICI Bank HPCL Platinum Credit Card has been tailored to offer incredible benefits to users for fuel charges, shopping, and entertainment. Co-branded along with HPCL (Hindustan Petroleum Corporation Limited), the following card is perfect for those who use fuel in large quantities, thanks to its very special fuel related benefits. But – the M6 card isn’t just a fuel card, it’s packed with a number of benefits and features, which makes it a bit of an all-rounder for anyone keen to maximise their spending.

Highlights of the ICICI Bank HPCL Platinum Credit Card

So, before exploring these benefits in detail, here’s the lowdown on the main features which make the ICICI Bank HPCL Platinum Credit Card an option to consider for quite a few of us.

Joining and Renewal Fee:

• Joining Fee: ₹199 + GST.
  
  
• Renewal Fee: ₹199 + GST. This charge is waived if you spend ₹50,000 or more in a year.
  
  

Reward Points System:

• 2 ICICI Reward Points / ₹100 on all retail spends, except fuel.
  
  
• Cashback of 1% on fuel purchases made at HPCL Stations.
  
  

Fuel Benefits:

• 2.5% cashback on fuel spends at HPCL petrol pumps, capped at ₹100 per month.
  
  
• Waiver of 1% on Fuel Surcharge at HPCL petrol pumps between ₹400 to ₹4,000.
  
  

Cashback Offers:

• Dining cashback: Grab the best deals and cash backs in your favorite restaurants near you, for you to Cheekoo.
  
  
• Movie Offers: Special prices for movie tickets when you book tickets from BookMyShow.
  
  

Travel and Lifestyle Benefits:

• Airport Lounge Access: Enjoy free airport lounge access in domestic and international lounges.
  
  
• Concierge Services: Enjoy 24/7 assistance with travel bookings, dining reservations, and more.
  
  

Insurance Coverage:

• The card comes with purchase protection and security if your card is used for a fraudulent transaction.
  
  
• Emergency Credit Shield: If the cardholder dies due to an accidental cause, the amount due on the card is settled.
  
  

Easy Bill Payment:

• Also enjoy utility payments like electricity, water, and mobile postpaid bill payments with the Bill Pay feature on your credit card.
  
  

Detailed Benefits of ICICI Bank HPCL Platinum Credit Card

The detailed list of benefits and rewards associated with this card are as follows-

Joining Benefit:

As a joining perk, get 2500 reward points.

LivFuel Benefits:

Get 2.5% fuel surcharge waived off on fuel transactions or spend at HPCL petrol pumps across India (maximum Rs.)

The ICICI HPCL Platinum Card offers a whole range of features that add to the lifestyle of the cardholder and provide value for money. Het’st look at them in more detail.

Fuel Savings

One of the main reasons behind one considering the ICICI Bank HPCL Platinum Credit Card would be the amazing fuel based benefits. For those who keep their tanks full (or close), this card can be a great way to save on fuel.

• Fuel Cashback: Users get 2.5% cashback on the fuel purchased at HPCL petrol pumps with this card. This offer of cashback is up to ₹100 a month so those who are buying fuel very often, this card will save you every time you refuel(fil).
  
  
• Fuel Surcharge Waiver: Get a fuel surcharge waiver of 1% ranging between ₹400 to ₹4,000 spent at HPCL outlets in India. This feature helps prevent card holders from paying more on fuel purchases, helping them to save more on fuel.
  
  

Reward Points on Retail Purchases

You can earn 2 ICICI Reward Points for every ₹100 retail spending made using ICICI Bank HPCL Platinum Credit Card. So, each time you spend on anything with your card (apart from fuel), you are earning points that can be redeemed against a tempting range of rewards.

Regardless of whether you're shopping online, eating out or going to the grocery shop, those points will start piling up so you can cash them in for goodies like gift cards and products, or even plane tickets. Earning points on everyday spending is one of the reasons that this card is so widely appealing.

Movie Ticket Discounts

Film fans will also enjoy what is on offer with this card in terms of entertainment. ICICI bank hpcl platinum credit card offers special discounts on booking movie tickets.

• BookMyShow Discounts: Card holders avail up to ₹100 discount on movie tickets purchased on BookMyShow. This offer is valid twice a month too so it's also great for movie geeks who just can't get enough of the newest titles.
  
  

Dining Privileges

The dining experience is ecstatic with ICICI Bank HPCL Platinum Credit Card as they have exciting discount and cashback at participating restaurants in India.

• Dining Offers: Enjoy up to 15% discount at over 800 restaurants in India. This makes the card a good choice for those who frequently dine out at some favourite restaurants.
  
  

Airport Lounge Access

The ICICI Bank HPCL Platinum Credit Card offers complimentary visits to the airport lounges for frequent flyers.

• Lounge Access: Relax in a lounge in your country and abroad prior to your boarding. There are 2 free lounge visits per year for cardholders, with additional visits available at a discounted rate.
  
  

Travel and Concierge Services

With the ICICI Bank HPCL Platinum Credit Card concierge services, be it arranging for a chauffeur, or booking tickets for a concert to travelling needs and others, there will someone taking care of your needs while you sit back and relax.

• Concierge Services: Looking for that last-minute reservation or travel arrangement? Our concierge team is always on hand to help with any of your needs, making planning your travel and entertainment a whole lot easier.
  
  

Insurance Coverage

Insurance features Card members of ICICI Bank HPCL Platinum Credit Card receive insurance coverage that offers extra protection.

• Sum Insured
  
  
• Complimentary Railway Delay Insurance of INR 500 (Auto-credited) for reservations made on www.irctc.co.in
  
  
• Travel Mate 24X7
  
  
• Personal Air Accidental death insurance upto INR 30 lacs
  
  
• Unlimited Free Spills & Free Vehicle Assistance coverage upto INR 10,000
  
  
• 2.5% Personal Accident cover on Total Protect
  
  
• Free Fraudulent Card Liability Cover of INR 50,000
  
  
• 5% of Sum Insured of Card as Temporary Total Disablement benefit on Total Protect
  
  
• 100% Sum Insured to be given in case of Permanent Total Disability or Permanent Partial Disability on Total Protect
  
  
• Coverage of 125% of Sum Insured or 125% of Credit Limit
  
  
• Local Evacuation expenses on Total Protect upto INR 10,000
  
  
• Protection Purchase: Automatically protects your eligible purchases against theft or damage.
  
  
• Credit Shield Insurance: In case of death of the card member due to any accidental event, the outstanding on the card is licked off under credit shield policy.
  
  

Eligibility Criteria For The ICICI Bank HPCL Platinum Credit Card

Eligibility Criteria for ICICI Bank HPCL Platinum Credit Card In order to have access to the ICICI Bank HPCL Platinum Credit Card an applicant should satisfy the following requirements:

• Age: 21-60
  
  
• Income:
  
  
• For Salaried Candidates: The applicants should earn at least ₹30,000 net per month.
  
  
• For self-employed applicants: Applicant should have an annual income of at least ₹5 lakh.
  
  
• Credit Score: A higher credit score (750 or more) is better, as approval possibilities are higher.
  
  

How to Redeem Reward Points

ICICI Bank HPCL Platinum Credit Card cardholders can use their reward points to pay for a range of products and services which include:

• Shopping and Dining Vouchers: Exchange your points for shopping vouchers or dining vouchers.
  
  
• Travel: Redeem your points on hotel stays, flights and more.
  
  
• Statement Credit: Cardmembers may use points to pay off the card balance.
  
  

Bottom Line: Who Is the ICICI Bank HPCL Platinum Credit Card For?

For those who can take advantage, the ICICI Bank HPCL Platinum Credit Card is an ideal pick as it saves you on fuel, dining spends along with rewards on all purchases. With great fuel deals, movie ticket cashbacks and dining experiences, this card is perfect for those who prefer to get more while saving more.

If you often refuel, dine out or watch a movie, the ICICI Bank HPCL Platinum Credit Card can save you money and reward your spending with various benefits that make your everyday spending more lucrative.

Long story short, if you tend to spend a lot while you're on the road, all your shopping adventures and want top-quality service, this card offers enough to raise your eyebrows either way. If the above doesn’t sound good, then let me assure you that, this card would lay its best foot to be the best ICICI fuel card in the market.