Kotak Indian Oil credit card credit card
Joining Fee:

₹449 +GST

Return Percentage:

1% to 2%

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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 logoKotak

Fees and charges at a glance

Annual fee
₹449

Charged every year you keep the card

Joining fee
₹449

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Kotak Indian Oil credit card — Milestones

No spend milestones on this card

There’s no bonus for hitting a spending target, and no fee waiver tied to one.

See cards with milestone rewards