IndianOil Kotak Credit Card on Dining out
Yes. The IndianOil Kotak Credit Card gives 2% back when you pay on Dining out directly, compared with 0.5% on its other spends.
On Dining out
2%
Other spends
0.5%
Rank for Dining out
#36 of 149
Annual fee
₹499 + Taxes
What to know before you pay on Dining out
Cap on Dining out
Max ₹200 per statement cycle (800 points, shared with groceries)
How it works
4% at IndianOil (plus 1% surcharge waiver) and 2% on groceries and dining, at ₹0.25 a point on Kotak's rewards portal (about ₹0.20 as cash).
Caps & rules
- 24 reward points per ₹150 at IndianOil outlets, capped at 1,200 points per statement cycle.
- 12 per ₹150 on groceries (select MCCs) and dining, capped at 800 points per cycle.
- Points worth about ₹0.25 on the Kotak rewards portal.
- ₹449 fee waived at ₹50,000 annual spend.
Reward limits
- 24 points per ₹150 at IndianOil: max 1,200 points per statement cycle
- 12 points per ₹150 on groceries and dining: max 800 points per statement cycle
No rewards on
Rent, wallet loads, government payments, EMI
Checked 2026-10-11 · Bank terms
Cards that earn more on Dining out
-
#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle
10%
Apply now -
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
Apply now -
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month
6.67%
Apply now
Where else the IndianOil Kotak Credit Card earns more
Questions
Does the IndianOil Kotak Credit Card give rewards on Dining out?
Yes. The IndianOil Kotak Credit Card gives 2% back when you pay on Dining out directly, compared with 0.5% on its other spends.
Is there a limit on IndianOil Kotak Credit Card rewards?
24 reward points per ₹150 at IndianOil outlets, capped at 1,200 points per statement cycle. 12 per ₹150 on groceries (select MCCs) and dining, capped at 800 points per cycle. Points worth about ₹0.25 on the Kotak rewards portal. ₹449 fee waived at ₹50,000 annual spend.
Which credit card is best for Dining out?
Swiggy HDFC Credit Card is the best pick for regular spending on Dining out, with 10% back. The IndianOil Kotak Credit Card ranks #36 of 149 cards we compared, by what each returns after caps.