IndianOil Kotak Credit Card on IndianOil
Yes. The IndianOil Kotak Credit Card gives 4% back when you pay on IndianOil directly, compared with 0.5% on its other spends.
On IndianOil
4%
Other spends
0.5%
Rank for IndianOil
#4 of 149
Annual fee
₹499 + Taxes
What to know before you pay on IndianOil
Cap on IndianOil
Max ₹300 per statement cycle (1,200 points)
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 IndianOil
-
#1
IndianOil RBL Bank XTRA Credit Card
RBL Bank · ₹1,500 + Taxes · Max ₹1,000 a month
7.5%
Apply now -
#2
Standard Chartered Super Value Titanium Credit Card
Standard Chartered · ₹750 + Taxes · Max ₹200 per statement cycle
5%
Apply now -
#3
HDFC IndianOil Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹144 a month
4.8%
Apply now
Where else the IndianOil Kotak Credit Card earns more
Questions
Does the IndianOil Kotak Credit Card give rewards on IndianOil?
Yes. The IndianOil Kotak Credit Card gives 4% back when you pay on IndianOil 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 IndianOil?
IndianOil RBL Bank XTRA Credit Card gives the most on IndianOil, 7.5% back. The IndianOil Kotak Credit Card ranks #4 of 149 cards we compared.