How to Apply for the ICICI HPCL Credit Card in 2026

title: "How to Apply for the ICICI HPCL Credit Card in 2026" slug: how-to-apply-for-icici-hpcl-credit-card excerpt: "Apply for the ICICI HPCL Credit Card and earn 5% cashback on fuel spends at HPCL pumps. Eligibility, fees, and the application process." category: how-to-apply tags:

• icici
• hpcl
• fuel
• cashback
• co-branded relatedCards:
• icici-hpcl heroImage: /images/guides/icici-hpcl.svg publishedAt: "2026-06-18T16:57:29.106Z"

The ICICI HPCL Credit Card is a co-branded fuel card that offers 5% cashback on fuel spends at HPCL pumps, 2% on utility bill payments, and 1% on all other spends. The card is targeted at users with a 4-wheeler who fill fuel at HPCL pumps regularly. The annual fee is ₹500, fully waived on ₹50,000 spends.

Why this matters

If you spend ₹5,000/month on fuel at HPCL, the 5% cashback gives you ₹250/month. The 2% on utility bill payments is a useful secondary benefit, and the ₹500 annual fee is recovered in 2 months of cashback. The card pairs well with the Amazon Pay ICICI for online spends.

Related cards

How to Apply for the ICICI HPCL Credit Card in 2026

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    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">1</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Check HPCL card eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via ICICI</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit icicibank.com → Cards → Credit Cards → HPCL. Click Apply Now. The form is pre-filled if you are an existing ICICI customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, iMobile Pay, or at any ICICI ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card at HPCL pumps</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card at any HPCL fuel station in India to earn 5% cashback. Cashback is capped at ₹100 per transaction and ₹1,000 per month.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use for utility bill payments</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card to pay electricity, gas, and water bills via the Bharat Bill Payment System. Earn 2% cashback, capped at ₹100/month.</p>
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Common mistakes to avoid

The 5% fuel cashback is only valid at HPCL pumps — fuel at other oil companies earns 0 cashback. The cashback is capped at ₹100 per transaction, so transactions above ₹2,000 will not get the full 5%. The 2% on utility bill payments is restricted to BBPS payments — direct bank debits do not qualify.

Pro tips

• Use the card only at HPCL pumps to maximise 5% cashback
• Use the card for electricity, gas, and water bill payments to chase the 2%
• Split large fuel transactions into smaller ones (under ₹2,000) to maximise the per-transaction cap
• Pair with the Amazon Pay ICICI card for online shopping

Frequently asked questions

What is the annual fee on the HPCL card?

₹500 + GST, waived on ₹50,000 spends in the previous 12 months.

What is the 5% fuel cashback cap?

5% is capped at ₹100 per transaction and ₹1,000 per month.

Is the card valid at non-HPCL pumps?

Yes, but only HPCL pumps earn 5% cashback. Other pumps earn 0% cashback.