BEST FOR INDIANOIL FUEL PURCHASES UP TO ₹7500 PER MONTH

IndianOil Kotak Credit Card

IndianOil Kotak Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
5% reward on IndianOil fuel, on purchases up to ₹7500 per month
✔︎
2% reward on grocery & dining, on total spends up to ₹10,000 per month
✔︎
Personal concierge services
Annual Fee

₹449

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: 1000 reward points worth ₹250 (on spending ₹500 within 30 days)
  • Renewal offer: Annual fee waived at ₹50,000 annual card spend

5% reward on IndianOil fuel 

  • 4% reward: 16 reward points worth ₹4, per ₹100 spent. Monthly limit: 1200 reward points worth ₹300, reached at ₹7500 monthly spend
  • 1% fuel surcharge waiver, on fuel transactions between ₹100 and ₹5,000. Monthly limit: ₹100, reached at ₹10,000 monthly spend

2% reward on groceries & dining 

  • 8 reward points worth ₹2, per ₹100 spent
  • Monthly limit: 800 reward points worth ₹200, reached at ₹10,000 monthly spend

0.50% reward on all other purchases

  • 2 reward points worth ₹0.50, per ₹100 spent

Value of reward points & redemption

  • Value: 1 reward point = 0.25
  • Redemption: On Kotak Rewards, Kotak's rewards redemption platform 
  • Options: Merchandise, e-vouchers, movie vouchers, travel, mobile recharge and more

Personal accident insurance of ₹2 lakhs

Personal concierge services

  • Gift & flower deliveries: Hassle-free arrangements
  • Restaurant services: Referrals and reservation assistance
  • Transportation: Car rental and limousine bookings
  • Leisure activities: Exclusive golf course reservations
  • Entertainment: Effortless movie ticket booking services
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Benefits

  • Attractive benefit rate of 5% on monthly fuel purchases, including 1% fuel surcharge waiver
  • Good reward rate of 2% on grocery purchases & dining expenditure
  • Low annual card spend requirement (of ₹50,000) to get annual fees waived off
  • Lifestyle benefits such as personal concierge

Drawbacks to consider

  • You are restricted to IndianOil pumps, to avail special fuel benefits

To read the full review of the card , please click here
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