CREDIT CARD DETAIL ICICI Bank HPCL Silver Credit Card Card Highlights Card Class Standard (Petro) Card Type Co Branded Issuer ICICI Bank Offered Type Visa, MasterCard Rewards Petroleum Main Features Refund of Surcharges (2.5%) on Fuel Purchases*. Earn 1 Reward Point on every Rs. 200 spent on all purchases except on fuel purchases at HPCL outlets . 15% discount on P.U.C check and Labour charges at select HPCL Petrol Pumps. Discount on tyres, batteries and auto accessories sold at select HPCL Petrol Pumps. Zero Lost Card liability. Most powerful catalogue based rewards Program. Comprehensive Travel Benefits. Mobile Alerts and Statement by E-mail *From Mar 1, 08, the Cash Back benefit on fuel purchases on ICICI Bank HPCL Credit Card stands withdrawn. * HPCL fuel purchases made in February 2008 will be eligible for Cash Back as per existing spend slabs. * Transactions above Rs.3,000 will not be eligible to a fuel surcharge waiver, but only for cash back.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.15% per month Balance Transfers: Intro Interest Rate 0.75% per month Introductory Period 6 month Interest Rate 1.49% per month  Fees & charges   Fees & charges Add On Card Fee You can freely present a maximum of two add-on Cards to your wife, sister, brother, parents or children above 18 years of age. Cash Advance Transaction Fee 2.5% on advanced amount, subject to a minimum of Rs. 300. Finance charges on cash advances /extended credit 3.15% Late Payment 30% of min. Amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600) Free Credit Period Min.: 20 days Max.: 50 days Limited Lost Card Liability Nil Over Limit Charges 2.5% on over limit amount (subject to a min. of Rs. 500) Cheque Bounce Fee Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 30 Dial a Draft Fee 3% w.e.f. Feb 01, 2008 of the draft value amount subject to a minimum of Rs.300. Duplicate Statement Request Charges Rs 100 Emergency Replacement(when overseas) Nil Charge Slip Request Rs 100 Railway Booking Surcharge 2.5% Railway Booking Surcharge (Online) 1.8% Air/Railway Booking Comment 1.80% for Internet transactions and 2.5% for other bookings. Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn up to 10 reward points for every Rs. 200 spent and redeem these points against exciting options. Earn 1 Reward Point on every Rs. 200 spent on all purchases except on fuel purchases at HPCL outlets . For more info. Click Here  Cash Back   Cash Back: Cash Back (Preferred Partner) Monthly fuel spends at HPCL outlets (in Rs.) Cash Back 1- 499 Nil 500 – 1499 1% 1500 – 2999 1.50% 3000 and above 2.50% Transaction should be done on ICICI EDC machine * From Mar 1, 08, the Cash Back benefit on fuel purchases on ICICI Bank HPCL Credit Card stands withdrawn. * HPCL fuel purchases made in February 2008 will be eligible for Cash Back as per existing spend slabs. * Transactions above Rs.3,000 will not be eligible to a fuel surcharge waiver, but only for cash back.  Fuel   Fuel: Surcharge Waiver Yes Waived at HPCL outlets (Upto Rs. 3000 per transaction) Refund of Surcharges (2.5%) on Fuel Purchases.* *From Mar 1, 08, the Cash Back benefit on fuel purchases on ICICI Bank HPCL Credit Card stands withdrawn. *HPCL fuel purchases made in February 2008 will be eligible for Cash Back as per existing spend slabs. *Your cash back percentage will be calculated on the basis of total HPCL fuel spends as per your card statement. * Transactions above Rs.3,000 will not be eligible to a fuel surcharge waiver, but only for cash back. Reward Points Earn 1 Reward Point on every Rs. 200 spent on all purchases except on fuel purchases at HPCL outlets .  Services & Features   Services & Features General Features: Photo Option Yes Add On Card Yes Internet Web Based Access Yes Coverage Domestic Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility Yes EMI on Call Facility Yes Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 22 million merchant No. of ATMs (India) 77,000 establishments across India and Nepal  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: Annual Income Rs 96000.00 Age Min.: 21 Yrs.   Max.: 58 Yrs. Documents Required Public Ltd / MNC / Govt: Pay slip / Salary Certificate / Income Tax Returns / Form 16 Proprietorship / Partnership / Pvt. Ltd.: Pay slip / Income Tax Returns / Form 16 Documents Required - Holding Credit Card for over an year Photocopy of your latest Credit Card Statement Photocopy of your Credit Card Front  Self Employed   Self Employed: Annual Income Rs 100000.00 Age Min.: 21 Yrs.   Max.: 65 Yrs. Documents Required Income Tax Returns Other Bank Card Documents/Specific Club memberships required for the EMI card Documents Required - Holding Credit Card for over an year Photocopy of your latest Credit Card Statement Photocopy of your Credit Card Front  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Balance Transfer Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. 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