KKotak MahindraIndianOil Kotak Credit Card
IndianOil Kotak Credit Card Credit Card
Kotak Mahindra Bank · with IndianOil · Fuel
5% savings on fuel at IndianOil pumps; 2% back as reward points on grocery and dining.
- Joining fee
- ₹449
- Annual fee
- ₹449
- Waiver spend
- ₹50,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹50,000 in a card year and the next annual fee is waived.
That is about ₹4,167 a month.
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Cost of paying only the minimum
How the app counts rewards
- 24 points per Rs 150 on IndianOil fuel (4% at catalogue value)
- 12 points per Rs 150 on dining and groceries
- 3 points per Rs 150 on utilities, up to Rs 50,000 spend a cycle
- 3 points per Rs 150 on insurance, up to Rs 70,000 spend a cycle
- 3 points per Rs 150 on other spends
No rewards on education, rent, wallet loads.
Points
Kotak Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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