ICICI HPCL Platinum
Downgrade₹199 a year on the two HPCL tiers ICICI still prices and no longer publishes.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until ICICI Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
1 notes on the card itself: how it is issued
The take
ICICI's HPCL fuel family used to run five deep — Silver, Gold, Titanium, Platinum and Coral. Today one line in the fee schedule prices Platinum, Titanium and Coral together at ₹199, and only Coral still has a product page. This file is the other two: still charged, still serviced, still named in the MITC's statement-cycle reward caps alongside Coral and the entry shelf, and described nowhere. The fee is ₹199 to join and ₹199 a year, reversed if you spend ₹50,000 in an anniversary year — jointly with Unifare the lowest reversal bar ICICI publishes, and a bar a regular commuter clears on fuel alone. What the card pays at the pump is the question we cannot answer: the MITC states no rate for it, and the live HPCL Coral's published 2.5% fuel cashback capped at ₹100 a month is that card's benefit, not evidence about this one. There is a second wrinkle worth knowing before you assume your own fee: the same MITC says that where an HPCL-family card was sourced fee-free, "a Joining Fee / Annual Fee of ₹500 shall continue as communicated at the time of sourcing" — so a ₹500 variant of this family exists alongside the ₹199 line. Check which one you are on. If the fuel benefit has gone quiet, HPCL Coral at the same ₹199 is the live card with a published earn table, and HPCL Super Saver at ₹500 is the bigger fuel proposition.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ICICI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 10 Sep 2026 ICICI's September lounge list drops four doors and adds Bhogapuram issuer-wide
- 29 Aug 2026 ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in issuer-wide
- 1 Jul 2026 ICICI's lounge-gate exemption expires for Adani One and MakeMyTrip issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹199 joining and annual fee, reversed on ₹50,000 of anniversary-year spend — jointly the lowest reversal bar ICICI publishes
- Still priced in ICICI's current MITC and still named in its statement-cycle reward-cap tables, so existing accounts are serviced
- Supplementary cards ₹199 each
Watch out
- ICICI publishes NO product page for the Platinum or Titanium tiers — both are absent from every link on the bank's live credit-card listing, and the MITC states no earn rate, no currency and no fuel benefit for them, so we decline to invent any
- Closed to new applicants — HPCL Coral is the only one of the three cards on this fee line that ICICI still routes to
- A ₹500 variant of this family exists: the MITC says that for a fee-free-sourced "ICICI Bank HPCL Coral/Silver/Titanium/Gold/Platinum Credit Card, a Joining Fee / Annual Fee of ₹500 shall continue as communicated at the time of sourcing" — confirm the figure on the card you actually hold
- ICICI's cycle caps apply by name: utility and insurance spends count only to ₹40,000, grocery and departmental to ₹20,000, and transportation to ₹10,000 a statement cycle
- EMI spends do not count toward the ₹50,000 reversal bar, and rent, government and education payments are excluded from it
- 3.5% foreign-currency markup and finance charges of 3.75% a month (45% a year)
- Nothing on file entitles this card to lounge access
What these points actually fly
ICICI Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹50,000 a year is the bar that waives the ₹199 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. ICICI Bank states what the ICICI HPCL Platinum earns, but has not published which spend categories count toward the fee waiver — the ₹50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot get either tier. Both are absent from every credit-card link on ICICI's own listing page and no product URL for them resolves; only the shared MITC fee line and the reward-cap tables still name them. Existing holders are serviced. The live cards in the same family are HPCL Coral at ₹199, which has a current page, a stated earn table and a 2.5% fuel cashback capped at ₹100 a month, and HPCL Super Saver at ₹500 with a ₹1,50,000 reversal bar.
ICICI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 10 Sept 2026ICICI's September lounge list drops four doors and adds BhogapuramThe prior edition opened Bhubaneswar's landside Bird Lounge, Vadodara's Premium Lounge, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge, and filed Ahmedabad T2 international as The Lounge opposite Gate 3 → Those four rooms are gone. Bhubaneswar keeps O'Vetra near Gate 8, Dehradun keeps Carnations in the security hold, Vadodara is off the list, and Visakhapatnam's rows are Encalm domestic and international at Bhogapuram. Ahmedabad T2 international is Adani Silver Lounge - International, Gate 08, and it is not asterisked
ICICI re-saved its consolidated domestic lounge list on 10 September 2026 and moved rooms, not quotas. Four doors an Annexure-1 card used to open are off the list: Bhubaneswar's landside Bird Lounge (O'Vetra, airside near Gate 8, stays), Vadodara entirely, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge (Carnations, in the security hold, stays). Visakhapatnam's replacement is two Encalm rooms at Bhogapuram, which this map does not carry yet — the airport is not in our coordinate file, so those doors are recorded here and not drawn. Ahmedabad's T2 international row is no longer The Lounge opposite Gate 3. It is Adani Silver Lounge - International, first floor, Gate 08, and the row has no asterisk, so the whole Annexure-1 board gets it at each card's own quarterly quota rather than the three unlimited cards alone. Noida's three Jewar rows are still on the PDF and still unmapped.
- 29 Aug 2026ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in
- 29 Jul 2026Times Black publishes its eligibility bar and swaps BLADE for Thumby Aviation
- 1 Jul 2026ICICI's lounge-gate exemption expires for Adani One and MakeMyTripAdani One ICICI Signature, Adani One ICICI Platinum and the MakeMyTrip ICICI Bank Credit Card were exempt from the ₹75,000-per-quarter spend gate on complimentary domestic lounge access — "valid till Jun 30, 2026" → All three now "require spends of ₹ 75,000 to be made in a calendar quarter to unlock airport lounge access in the next calendar quarter, with effect from Jul 01, 2026"
ICICI's MITC, headed "Last updated on Aug 2nd, 2026", carries the expiry date inside the exemption list itself and then restates it as a dated instruction below. No lounge visit is removed — MakeMyTrip keeps 2 domestic a quarter plus 1 international, Adani One Signature 4 a quarter plus 2 Priority Pass, Adani One Platinum 2 a quarter — but all of them now cost ₹3 lakh of routed annual spend on top of the fee, which reprices the ₹750 Adani One Platinum hardest. The ₹75,000 excludes rent, government, education, EMI, fees, interest, DCC and reversals, and the qualifying quarter is offset (26th to 25th), so the spend that unlocks Oct-Dec was made between 26 June and 25 September. Worth flagging for the desk: ICICI's own "Upcoming changes to Credit Card features and charges" page, re-read 28 August 2026, still lists MakeMyTrip among the exempt cards with no expiry, and never names the Adani One pair at all. Two live ICICI documents, two different answers; the MITC is the regulated one and the more recently dated, so it is the one we follow.
- 1 Feb 2026ICICI gates its BookMyShow movie perk behind quarterly spend
- 15 Jan 2026ICICI caps transport rewards and excludes rent, tax, fuel spends
- 15 Nov 2024ICICI's November purge: rewards, lounges and 1% fees
- 5 Feb 2024ICICI stops rewards on rent and wallet loads
Every ICICI Bank change we've dated → 10 events since 2019, 7 of them nerfs — worst year 2026.
Verified against ICICI Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official ICICI's current credit-card MITC — the shared ₹199 HPCL fee line, the ₹50,000 reversal, the statement-cycle caps that name this card, and the note describing a ₹500 variant of the same family
- official ICICI's live credit-card listing — HPCL Coral and HPCL Super Saver are on it; the Platinum and Titanium tiers are not