IndianOil Kotak Credit Card on Swiggy Instamart
Yes. The IndianOil Kotak Credit Card gives 2% back when you pay on Swiggy Instamart directly, compared with 0.5% on its other spends.
On Swiggy Instamart
2%
Other spends
0.5%
Rank for Swiggy Instamart
#34 of 149
Annual fee
₹499 + Taxes
What to know before you pay on Swiggy Instamart
Cap on Swiggy Instamart
Max ₹200 per statement cycle (800 points shared by groceries and dining)
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
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Where else the IndianOil Kotak Credit Card earns more
Questions
Does the IndianOil Kotak Credit Card give rewards on Swiggy Instamart?
Yes. The IndianOil Kotak Credit Card gives 2% back when you pay on Swiggy Instamart 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 Swiggy Instamart?
Swiggy HDFC Credit Card gives the most on Swiggy Instamart, 10% back. The IndianOil Kotak Credit Card ranks #34 of 149 cards we compared.