.png&w=640&q=75)
Joining Fee:
Apply Now₹449 +GST
Return Percentage:1% to 2%
Credit Card Overview
A co-branded Indian Oil card with Kotak offering fuel surcharge waivers, accelerated rewards on fuel, and lifestyle perks on groceries and utilities.
Best Suited For: Brand Wallet, Cashback
Kotak
Fees and charges at a glance
- Annual fee
- ₹449
- Joining fee
- ₹449
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak Indian Oil credit card — Earn Categories
Where you earn more
- Indian OilFuel · Fuel24 reward points / ₹150
A maximum of 1200 RP can be earned per statement cycle. · 1% charge on this category
Other categories
- GroceryF&B · Grocery12 reward points / ₹150
A maximum of 800 RP can be earned per statement cycle.
Everyday rate
- Base Rewards3 Reward Points (reward points) / ₹150
1% charge on this category
1 more earning category on this card
We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Jewellery
- Rent
- Wallets
- Utilities
- Education
- Online Gaming
- Fuel