cards / starter / kotak-indianoil
KotakUnknownstarter

IndianOil Kotak Credit Card

A sensible first card for new-to-credit users and modest monthly spends.

excellent shape
health 100/100
annual fee₹ 449/yr
joining fee₹ 449
fee waiver at₹ 50,000/yr
base earn rate0.5 / ₹100
rewards inReward Points

✓ best for

Fuel

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.5 / ₹100
Fuel5%₹ 2,500

benefits & perks

Welcome Benefit

1000 Reward Points as welcome benefit on spending INR 500 within 30 days of card issuance

unlocks at ₹ 500/yr

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between INR 100 to INR 5000 with maximum surcharge waiver of INR 100 per statement cycle only at IndianOil outlets

Concierge services

You can avail personal concierge and assistance by calling 1800-26-78729 for the same. Applicable on Rupay Variant Only.

run your spend profileto see this card's value for you.