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.

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