Fuel

IndianOil Kotak Credit Card

Name: IndianOil Kotak Credit Card
Brand: Kotak
Price: 500 INR

Kotak

6.3

CardTrail Score

Decent

out of 10

💰 Net Value

4.0

🔓 Accessibility

8.3

⚡ Feature Depth

3.5

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹500

Spend ₹50K/year

Forex Markup

3.5%

Reward Rate

0.5%

Up to 5%

Lounge Access

domestic | 0 intl

About This Card

The IndianOil Kotak Credit Card is a fuel rewards credit card from Kotak with an annual fee of ₹500. It offers a base reward rate of 0.5% with up to 5.0% on select categories. Key perks include fuel surcharge waiver. Best suited for vehicle owners.

Pros & Cons

Pros

Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases
Attractive welcome bonus: 1,000 Fuel Points

Cons

3.5% forex markup is above average
No complimentary lounge access
Below-average base reward rate

Fee Details

Annual Fee

₹500

Joining Fee

₹500

Fee Waiver Condition

Spend ₹50K/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

Currency

Fuel Points

Welcome Bonus

1,000 Fuel Points

Lounge Access

Domestic Lounges

International Lounges

Key Highlights

+ Annual fee ₹500 (waiver: Spend ₹50K/year)
+ Up to 5.0% rewards on accelerated categories
+ Fuel surcharge waiver at all pumps
+ Welcome bonus: 1,000 Fuel Points

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