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Eligibility Criteria
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IndianOil Kotak Credit Card

IndianOil Kotak Credit Card

Fuel
Rewards
Dine In
Lifestyle
Shopping
4.3
Joining Fee
₹449
Annual Fee
₹449
APR
42%
Min. Credit Score
750
The Indian Oil Kotak Credit Card is a versatile choice for fuel savings and lifestyle rewards. With a nominal joining fee of INR 449, the card offers 4% back on fuel spent at Indian Oil outlets and 2% on groceries and dining. Enjoy a 1% fuel surcharge waiver for transactions between INR 100 and INR 5000, and benefit from a personal accident insurance cover of INR 2,00,000. New users earn 1000 Rewa...

FEATURES

  • 12 Reward points per INR 150 on grocery and dining.
  • 24 Reward points per INR 150 at IndianOil outlets.
  • 3 Reward points per INR 150 on other spends.

WELCOME OFFERS

  • Spend INR 500 or more within 30 days of issuance to earn 1000 Reward Points.

FOREIGN TRANSACTION FEE

3.5% *Applicable Taxes

FRAUD LIABILITY

N/A

IndianOil Kotak Credit Card Eligibility Criteria
** These criteria are only indicative. The bank reserves the right to approve or decline applications for credit cards.
18-65 Years
Min. and Max. age limit for the applicant
₹30,000
Minimum monthly income
₹5,00,000
ITR (For Non-Salaried Individual)
750
Minimum Credit Score required
Meeting Criteria? Apply Now
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Card Details
SBI SimplySAVE Credit Card
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HDFC IndianOil Credit Card
Joining Fee ₹499 ₹1,200 ₹2,500 ₹500
Annual Fee ₹499 ₹1,200 ₹2,500 ₹500
APR 42 47.88 43.2 43.2
Ratings
4.3
3.7
3.9
4.2
Features
  • Accumulate 10 reward points for every Rs 150 expenditure on dining, movies, groceries, and departmental stores.
  • For all other expenses, get 1 reward point on every Rs 150 spent.
  • Starting from the second year, delight in the annual membership fee being waived.
  • Collect 5 points for each INR 100 you spend on online shopping transactions.
  • Receive a welcome voucher of INR 1,000, redeemable at various popular brands, as an initial sign-up bonus.
  • Hit spending milestones of INR 200,000 and INR 500,000 within an anniversary year to earn vouchers valued at INR 1,000 and INR 5,000, respectively.
  • Earn 4 reward points for every INR 150 spent on retail purchases.
  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
  • Experience exceptional dining perks through the Good Food Trail program.
  • Receive up to 50 litres of free fuel annually.
  • Every INR 150 spent on any purchases entitles you to 1 Fuel Point.
  • Save 2.5% on dining expenses.
Welcome Offers
  • Get 2000 reward points by spending INR 2,000 or more in just the first 60 days of card issuance.
  • Start your Cookies Credit Card experience with an INR 1,000 welcome voucher. Choose from a range of brands including Croma, Amazon, Myntra, Flipkart, and Shoppers Stop. Note: Complete a transaction within the first 30 days to unlock this benefit.
  • Pay the joining fees and get 2500 reward points credited.
  • Assured Flat 25% Off at 2000+ premium restaurants
  • Get a complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership

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