IndianOil Kotak Credit Card

9
Expert ScoreRead review
  • Welcome Benefit of 1000 Reward Points on spending Rs. 500 inside 30 days
  • 24 Reward Points on spending Rs. 150 on fuel at IndianOil outlets
  • 12 Reward Points on spending Rs. 150 on dining and grocery
  • 3 Reward Points on spending Rs. 150 on everything else
  • Annual fee waiver on spends of Rs. 50,000 or more in the previous year
  • 1% fuel surcharge waiver with a maximum of Rs. 100 per month
  • Insurance cover of Rs. 2 Lakhs for personal accident
  • Rupay Contactless payment up to transactions of Rs. 5000

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IndianOil Kotak Credit Card

9
Expert ScoreRead review
  • Welcome Benefit of 1000 Reward Points on spending Rs. 500 inside 30 days
  • 24 Reward Points on spending Rs. 150 on fuel at IndianOil outlets
  • 12 Reward Points on spending Rs. 150 on dining and grocery
  • 3 Reward Points on spending Rs. 150 on everything else
  • Annual fee waiver on spends of Rs. 50,000 or more in the previous year
  • 1% fuel surcharge waiver with a maximum of Rs. 100 per month
  • Insurance cover of Rs. 2 Lakhs for personal accident
  • Rupay Contactless payment up to transactions of Rs. 5000
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 449 + GST
Joining Fee
Rs. 449 + GST
Type of Card
Reward
Welcome Benefits
Get 1000 Reward Points on spending Rs. 500 or more within 30 days of getting the card

USP of Card

  • Welcome Benefit of 1000 Reward Points on spending Rs. 500 inside 30 days
  • 24 Reward Points on spending Rs. 150 on fuel at IndianOil outlets
  • 12 Reward Points on spending Rs. 150 on dining and grocery
  • 3 Reward Points on spending Rs. 150 on everything else
  • Annual fee waiver on spends of Rs. 50,000 or more in the previous year
  • 1% fuel surcharge waiver with a maximum of Rs. 100 per month
  • Insurance cover of Rs. 2 Lakhs for personal accident
  • Rupay Contactless payment up to transactions of Rs. 5000

Fees & Charges

Spend Based Waiver
Annual fee is waived on spends of Rs. 50,000 or above
Interest Rates
3.5% per month or 42% per annum
Cash Advance Charges
3.5%
Rewards Redemption Fee
Nil
Fuel Surcharge
1% fuel surcharge waiver on transactions between Rs. 100 to Rs. 5000
Foreign Currency Markup
Rs. 300 per Rs. 10,000 withdrawn
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Get 12 Reward Points on spending Rs. 150 on dining. You get 2% back as reward points on your dining spends.
Reward Redemption
Reward Points can be redeemed as cashback or to buy merchandise, products, and vouchers on kotakrewards.com. You can redeem your Reward Points for IndianOil XTRAREWARDS as well.
Zero Liability Protection
Cardholder will not be liable for fraudulent transaction on reporting the loss of his card in a timely manner to the bank
Rewards Rate
Get 24 Reward Points on every Rs. 150 spent on fuel. Get 12 Reward Points on every Rs. 150 spent on grocery and dining. Get 3 Reward Points on every Rs. 150 spent on other transactions.
Travel
NA
Online Shopping offers
NA
Insurance Benefits
Insurance cover worth Rs. 2 Lakhs for personal accident
Domestic Lounge Access
NA
International Lounge Access
NA
9Expert Score
  • Welcome Benefit of 1000 Reward Points on spending Rs. 500 inside 30 days
  • 24 Reward Points on spending Rs. 150 on fuel at IndianOil outlets
  • 12 Reward Points on spending Rs. 150 on dining and grocery
  • 3 Reward Points on spending Rs. 150 on everything else
  • Annual fee waiver on spends of Rs. 50,000 or more in the previous year
  • 1% fuel surcharge waiver with a maximum of Rs. 100 per month
  • Insurance cover of Rs. 2 Lakhs for personal accident
  • Rupay Contactless payment up to transactions of Rs. 5000
Best values score
9
9Expert Score
  • Welcome Benefit of 1000 Reward Points on spending Rs. 500 inside 30 days
  • 24 Reward Points on spending Rs. 150 on fuel at IndianOil outlets
  • 12 Reward Points on spending Rs. 150 on dining and grocery
  • 3 Reward Points on spending Rs. 150 on everything else
  • Annual fee waiver on spends of Rs. 50,000 or more in the previous year
  • 1% fuel surcharge waiver with a maximum of Rs. 100 per month
  • Insurance cover of Rs. 2 Lakhs for personal accident
  • Rupay Contactless payment up to transactions of Rs. 5000
Best values score
9

Specification: IndianOil Kotak Credit Card

Bank Name

Kotak

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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IndianOil Kotak Credit Card
IndianOil Kotak Credit Card

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