IndianOil Kotak Credit Card on Insurance premiums
No. The IndianOil Kotak Credit Card earns no rewards on Insurance premiums.
On Insurance premiums
0%
Other spends
0.5%
Rank for Insurance premiums
#126 of 149
Annual fee
₹499 + Taxes
What to know before you pay on Insurance premiums
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 Insurance premiums
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹500 a month
10%
Apply now -
#2
HDFC Infinia Credit Card Metal Edition
HDFC Bank · ₹12,500 + Taxes
3.33%
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#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes
3.33%
Apply now
Where else the IndianOil Kotak Credit Card earns more
Questions
Does the IndianOil Kotak Credit Card give rewards on Insurance premiums?
No. The IndianOil Kotak Credit Card earns no rewards on Insurance premiums.
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 Insurance premiums?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Insurance premiums, with 10% back. The IndianOil Kotak Credit Card ranks #126 of 149 cards we compared, by what each returns after caps.