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Kotak Mahindra Bank · Card

IndianOil Kotak Credit Card

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The IndianOil Kotak Credit Card is a credit card from Kotak Mahindra Bank with an annual fee of ₹449. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), welcome offer (Sep 2026). Not yet checked with Kotak Mahindra Bank: credit requirement. Kotak Mahindra Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee₹449per yearChecked kotak.bank.in
Welcome offer1,000 ptsChecked kotak.bank.in
Apply on Kotak Mahindra BankCompare this card
Opens Kotak Mahindra Bank’s site
Ledger entry

The receipt

Every cost line we hold for the IndianOil Kotak Credit Card, exactly as recorded.

Annual fee
₹449Checked kotak.bank.in
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmed
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with Kotak Mahindra Bank
Sign-up

The welcome offer

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

Checked kotak.bank.in
Points1,000Checked kotak.bank.in
Min. spend₹500within 30 daysChecked kotak.bank.in
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the IndianOil Kotak Credit Card. Rather than print a multiplier we cannot source, this stays blank until Kotak Mahindra Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Save up to 5% on IndianOil fuel spends (4% Reward Points + 1% fuel surcharge waiver)
  • 2% back as Reward Points on Grocery and Dining spends
  • 0.5% back as Reward Points on all other spends including UPI transactions
  • Annual fee of INR 449 waived on spending INR 50,000 in the previous anniversary year
  • 1% fuel surcharge waiver on transactions between INR 100 to INR 5000 (max INR 100 per statement cycle) at IndianOil outlets
  • Free Add-on card with customizable spend limit
  • Concierge services available on Rupay variant
Next step

Ready to apply for the IndianOil Kotak Credit Card?

You'll finish the application on Kotak Mahindra Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Kotak Mahindra Bank’s site
Questions

Questions about the IndianOil Kotak Credit Card

How much is the IndianOil Kotak Credit Card annual fee?

The IndianOil Kotak Credit Card has an annual fee of ₹449. Weigh that against the rewards and perks you will actually use.

What does the IndianOil Kotak Credit Card earn?

We could not verify the IndianOil Kotak Credit Card's earn rates, so we do not print a multiplier. Check them on Kotak Mahindra Bank's own site.

What network is the IndianOil Kotak Credit Card on?

We hold no card network on record for the IndianOil Kotak Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Kotak Mahindra Bank before you apply.

Is the IndianOil Kotak Credit Card available in India?

Yes — the IndianOil Kotak Credit Card is issued by Kotak Mahindra Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the IndianOil Kotak Credit Card figures last checked?

We checked its annual fee in September 2026 and its welcome offer in September 2026, each against a published document. Not yet checked with Kotak Mahindra Bank: credit requirement. We could not verify, so we do not print: foreign transaction fee and earn rates. Check them with Kotak Mahindra Bank. Terms can change without notice, so confirm the current details with Kotak Mahindra Bank before you apply.