Indian Oil HDFC vs IndianOil Kotak
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Indian Oil HDFC Credit Card wins 2 of 8 dimensions with a CardTrail Score of 7.2/10 vs 6.9/10.
| Feature | Indian Oil HDFC | IndianOil Kotak |
|---|---|---|
| CardTrail Score | 7.2/10 | 6.9/10 |
| Annual Fee | ₹500 | ₹449 |
| Base Reward Rate | 0.67% | 0.5% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Indian Oil HDFC
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: fuel, cashback
When to Choose IndianOil Kotak
- You can meet the fee waiver condition: Spend Rs. 50,000 in a year
- Your primary spend is: fuel, cashback
Annual Fee Value Analysis
To break even on Indian Oil HDFC's ₹500 fee at 0.67% rewards, spend ₹6,219/month.
To break even on IndianOil Kotak's ₹449 fee at 0.5% rewards, spend ₹7,483/month.