Kotak

Kotak IndianOil Credit Card

Apply for Kotak IndianOil Credit Card. Earn 4% rewards on IndianOil fuel, 2% on dining & groceries, 1% surcharge waiver & fee waiver on ₹50K spends. Best for IndianOil users.

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Issued by

Kotak

Kotak IndianOil Credit Card image
Joining Fee₹449
Annual Fee₹449
Income₹123456
Credit Score720

Key Highlights

Dining

Earn 2% Back as Reward Points on

dining spends at 12 Reward Points per ₹150, capped at 800 Reward Points per statement cycle w

Grocery Shopping

Earn 2% Back as Reward Points

on grocery spends at 12 Reward Points per ₹150, capped at 800 Reward Points per statement cycle

Fuel

Earn 4% Back as Reward Points on IndianOil fuel

spends at 24 Reward Points per ₹150, capped at 1,200 Reward Points per statement cycle

Earn 4% Back as Reward Points on IndianOil fuel

spends at 24 Reward Points per ₹150, capped at 1,200 Reward Points per statement cycle

Get 1,000 Reward Points Worth ₹250

on spending ₹500 within 30 days of card issuance

Earn on UPI Spends | as 0.5% Reward Points

on UPI credit card transactions 3 RP per ₹150 spent

Eligibility

Age Criteria18-60

N/A

Credit Score720

N/A

Salaried Income₹123456

N/A

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹449

N/A

Joining Fee OffsetThe joining fee is not offset by any bonus or credit.
Annual Fee₹449

N/A

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹20043

Rewards & Redemption

Reward Conversion1 RP = ₹0.20
Redemption Options
  • Cashback
  • Merchandise
  • Fuel
  • Vouchers
  • Mobile recharge
  • IndianOil XTRAREWARDS
Earning ExclusionsRent payment, Fuel, Insurance, EMI Transactions, Cash Withdrawals, Jewellery, School & Educational Services, Government related transactions, Wallet transactions, Load money, Fees, GST charges, All Reversals, Gambling, Tolls, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges
Spend ExclusionsRent payment, Fuel, Insurance, EMI Transactions, Cash Withdrawals, Jewellery, School & Educational Services, Government related transactions, Wallet transactions, Load money, Utility Bill Payments, Balance Transfer, Financial Charges

Benefits

All Benefit

  • 4% reward points on IndianOil fuel spends (capped at 1,200 points per statement cycle)
  • 2% reward points on dining & grocery spends (capped at 800 points per statement cycle)
  • 0.5% reward points on all other spends including UPI transactions (no cap)
  • 1,000 welcome reward points on spending ₹500 within 30 days
  • Annual fee waiver of ₹449 on spending ₹50,000 in an anniversary year

Welcome Benefits

  • 1,000 Reward Points on spending ₹500 within 30 days of card issuance

Dining Benefits

  • 2% back as Reward Points on dining spends
  • Earn 12 Reward Points per ₹150 spent
  • Capped at 800 Reward Points per statement cycle

Fuel Benefits

  • 4% back as Reward Points on IndianOil fuel spends
  • Earn 24 Reward Points per ₹150 spent
  • Capped at 1,200 Reward Points per statement cycle

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹100–₹5,000 at IndianOil outlets

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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