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Guide

How to Apply for the ICICI HPCL Credit Card in 2026

Jay Dodiya's profile photo Jay Dodiya
3 min read
Reviewed by Jiyan Kazi Last reviewed 5 September 2026 Data verified 5 September 2026

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 ₹199, 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 ₹199 annual fee is recovered in under a month of cashback. The card pairs well with the Amazon Pay ICICI for online spends.

How to Apply for the ICICI HPCL Credit Card in 2026

How to apply Total time: 10 min · Estimated cost: ₹199 (joining fee) · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the ICICI HPCL Credit Card and earn 5% cashback on fuel spends at HPCL pumps. Eligibility, fees, and the application process.

  1. Check HPCL card eligibility — You must be 21–60 years old, a resident Indian, ICICI publishes the income bar as location-dependent, so check the application page for your city. CIBIL score of 720+ is preferred.
  2. Apply online via ICICI — Visit icicibank.com → Cards → Credit Cards → HPCL. Click Apply Now. The form is pre-filled if you are an existing ICICI customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 5–10 working days.
  6. Receive the card and activate — 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.
  7. Use the card at HPCL pumps — 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.
  8. Use for utility bill payments — Use the card to pay electricity, gas, and water bills via the Bharat Bill Payment System. Earn 2% cashback, capped at ₹100/month.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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