Card Details
IndianOil Kotak Credit Card
Card Issuer
Kotak Mahindra Bank
Joining Fee
₹449
Annual Fee
₹449
Reward Type
Reward Points
Card Access
Standard
Offers from Kotak Mahindra Bank
See allZepto: 10% instant discount up to ?125 on minimum transaction of ?999 using Kotak Credit Card.
Grocery & Essentials · till 9 Nov 2026
Tata CLiQ: Tata CLiQ Fashion & Luxury offer - 12.5% instant discount | Minimum transaction ₹3,000 | Maximum discount ₹1,000 on select Kotak Bank Credit Cards at Tata CLiQ Fashion & 12.5% instant discount | Minimum transaction ₹7,500 | Maximum discount ₹2,500 | Valid on select Kotak Bank Credit Cards at Tata CLiQ Luxury
Shopping Deals · till 30 Nov 2026
The Bombay Sweet Shop: Flat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on both online (www.bombaysweetshop.com, Swiggy, Zomato) and offline stores
Dining & Food Deals · till 30 Nov 2026
Anantara Vacation: Upto 80% instant discount at Anantara Vacation Club via Kotak Solitaire & White Reserve Credit Cards
Travel Deals · till 20 Dec 2026
PVR INOX: Get PVR Voucher worth 400 on PVR INOX card approval through the PVR app
Entertainment Deals · till 31 Dec 2026
Earn Points
24 Rp/₹150 (~4%)
At indianoil (max 1,200 rp/cycle)
12 Rp/₹150 (~2%)
On grocery & dining (800 rp/cycle limit shared)
3 Rp/₹150 (~0.5%)
On other purchases
12 Rp/₹150 (~2%)
On dining (shared 800 rp limit)
Benefits
4% rewards on IndianOil fuel
- Best value on IndianOil fuel spends
- Earn 24 reward points on every ₹150 spent at IndianOil (≈4% back)
- Fuel rewards capped at 1,200 reward points per month
- 1% fuel surcharge waiver up to ₹100 per statement cycle
- Only valid at IndianOil pumps
- Accelerated rewards stop after the monthly cap
₹449 fee waived with ₹50k annual spends
- Easy spend-based fee waiver
- ₹449 + taxes joining and annual fee
- Fee reversed on ₹50,000 annual spends
- No waiver if you miss the spend target
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
Fuel at IndianOil outlets
24 RP per Rs.150 at IndianOil; capped 1200 RP/statement cycle (=Rs.300 @0.25); ~4% via points + 1% fuel surcharge waiver = up to 5% value back
₹300
Groceries & Dining
12 RP per Rs.150; capped 800 RP/statement cycle (=Rs.200); ~2% value
₹200
All other spends
3 RP per Rs.150; ~0.5% value. 1 RP=Rs.0.25 via Kotak portal (Rs.0.20 as statement cashback)
₹63
Total Annual Return
₹6,750
1.88% Effective ROIThings to Keep in Mind
Fuel rewards capped at 1,200 reward points per month; dining and grocery rewards capped at 800 reward points per month.
Maximum 200 reward points per month on grocery & dining spends.
Welcome benefit requires realization of joining fee and a single ₹500+ transaction within 30 days
Fuel surcharge waiver not applicable on UPI transactions
