Kotak Cashback+ Credit Card on IndianOil
Yes. The Kotak Cashback+ Credit Card gives 3% back when you pay on IndianOil directly, compared with 0.5% on its other spends.
On IndianOil
3%
Other spends
0.5%
Rank for IndianOil
#7 of 149
Annual fee
₹750 + Taxes
What to know before you pay on IndianOil
Cap on IndianOil
Max ₹750 per statement cycle (shared by the 5% and 3% categories)
How it works
5% is by merchant category, online only: grocery, food delivery and movies. Airtel DTH (MCC 4899) would earn 5% but mobile/broadband bills are utilities and earn nothing. Amazon Fresh or Flipkart grocery orders coded 5411 may also get 5%.
Caps & rules
- 5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel.
- The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%.
- 0.5% elsewhere, uncapped.
- UPI spends on the RuPay variant earn only 0.5%.
- Redeem on Kotak Unbox; cashback expires after 1 year.
Reward limits
- 5% on online grocery, food delivery and entertainment, and 3% on fuel (one shared cap): max ₹750 per billing cycle
- 0.5% on other spends: No limit
No rewards on
Rent, B2B, utilities, insurance, education, government, wallet, online skill gaming, EMI, balance transfer
Checked 2026-09-28 · 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 Kotak Cashback+ Credit Card earns more
Questions
Does the Kotak Cashback+ Credit Card give rewards on IndianOil?
Yes. The Kotak Cashback+ Credit Card gives 3% back when you pay on IndianOil directly, compared with 0.5% on its other spends.
Is there a limit on Kotak Cashback+ Credit Card rewards?
5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel. The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%. 0.5% elsewhere, uncapped. UPI spends on the RuPay variant earn only 0.5%. Redeem on Kotak Unbox; cashback expires after 1 year.
Which credit card is best for IndianOil?
IndianOil RBL Bank XTRA Credit Card gives the most on IndianOil, 7.5% back. The Kotak Cashback+ Credit Card ranks #7 of 149 cards we compared.