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.

Reward and fee-waiver targets on fuel and shopping cards can tempt you to overspend, turning “savings” into costly interest if bills are not cleared in full. If your credit card dues feel heavy or unmanageable, connect with CashOn.cards’ CDMS to help you with credit Card obligations and design a structured, stress-free repayment plan.