Indian Oil Kotak Credit Card Review

The Indian Oil Kotak Credit Card is a co-branded fuel card designed for frequent motorists who want to maximize savings and rewards at IndianOil petrol pumps. With up to 5% savings on fuel, additional rewards on groceries and dining, and a host of practical benefits, this card is ideal for those who spend significantly on fuel and everyday essentials.

• 1000 Reward Points*** as welcome benefit on spending INR 500# within 30 days of card issuance.

• Save 4% as Reward Points on IndianOil Fuel Spends. Earn 24 Reward Points on every INR 150 spent, capped at 1200 Reward Points per statement cycle.
• Save 2% back as Reward Points on Grocery and Dining spends. Earn 12 Reward Points on every INR 150 spent, capped at 800 Reward Points per statement cycle.
• On all other spends, save 0.5% back as Reward Points. Earn 3 Reward Points on every INR 150 spent.
• All UPI on Credit Card transactions will accrue 0.5% Reward Points on every INR 150 spent, across spend categories.

• You can avail personal concierge and assistance for the following:
• Gift Delivery
• Flower Delivery
• Restaurant referral and bookings
• Car rental and Limousine referral and reservation
• Golf reservations
• Movie ticket booking and many more

• 1% fuel surcharge waiver on transactions between INR 100 to INR 5059 with maximum surcharge waiver of INR 100 per statement cycle only at IndianOil outlets.

• Annual fee of ₹449 + gST is waived if you spend ₹50,000 in the previous year.

• Best for: Frequent motorists, families, and those who value rewards on fuel, groceries, and dining.
• Annual Fee Waiver: Achievable with ₹50,000 annual spend.
  
• Reward Redemption: Points can be redeemed for vouchers and merchandise.
  
• Insurance: Personal accident insurance cover of ₹2,00,000.
  
• No international lounge access or comprehensive travel insurance.

• Redeem reward points for vouchers, merchandise, or statement credit.
• Use concierge services for travel and lifestyle assistance.

• Individuals who frequently refuel at IndianOil outlets.
• Families who want to maximize savings on fuel and everyday essentials.
  
• Users who value practical insurance and concierge services.
  
• Those who want a simple, rewarding fuel credit card with easy fee waivers.

The Indian Oil Kotak Credit Card delivers excellent value for frequent motorists and everyday spenders. With up to 5% savings on fuel, additional rewards on groceries and dining, and practical benefits like insurance and concierge services, it is a top pick for anyone looking to save on essential expenses.

• Maximize rewards by using the card for all eligible fuel, grocery, and dining transactions.
• Plan your annual spends to qualify for the annual fee waiver.
• Redeem your reward points promptly for best value.
  
• Take advantage of concierge services for added convenience.