Interactive Showcase
Scroll narrative
Premium Decision Grade Catalog
KOTAK MAHINDRA BANK LTD
IndianOil Kotak Credit Card
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Verified Catalog
Source: KOTAK MAHINDRA BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Fuel savings card
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Annual fee waiver on retail spends of ₹50,000 in a year
Highlight 2
Fuel surcharge waiver at Indian Oil fuel pumps for transactions between ₹100 to ₹5,000
Highlight 3
Maximum waiver of ₹100 per statement cycle
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹449
The front-loaded charge when you apply.
Annual fee
₹449
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹449100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Ideal for grocery & fuel spends"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Custom design option
- Accelerated Rewards Program: 5X on OLA Money spends
Cons
- Other Features: Personal concierge
- Expert Opinion: Ideal for grocery & fuel spends
Apply flow links directly to official bank portals with 256-bit encryption.
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Customer Reviews
5.0
0 reviews
5
0
4
0
3
0
2
0
1
0
Please sign in to leave a review.
Sign InCommunity Feedback
Card Q&A
Expert answers for IndianOil Kotak Credit Card
Have a specific question?
No questions yet
Be the first to ask about this card!