Kotak IndianOil Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Kotak Mahindra Bank
Network: Visa | Tier: Mid-Range
The Kotak IndianOil Credit Card is a Mid-Range Visa credit card issued by Kotak Mahindra Bank, best suited for fuel users. It carries a joining fee of ₹449, with an interest rate of 3.5% per month. Key benefits include Fuel cashback and 5% fuel. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 5% fuel. Applicants typically need ₹2,00,000/year to qualify. It falls under the Fuel category on CreditCardHunt.
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Why Choose the Kotak IndianOil Credit Card?
The Kotak IndianOil Credit Card is a Mid-Range-tier Visa credit card issued by Kotak Mahindra Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Fuel users. With a reward rate of 5% fuel and an annual fee of ₹449, it ranks among the popular Fuel cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹449 joining fee.
Kotak IndianOil Credit Card Fees & Charges
| Annual Fee | ₹449 |
|---|---|
| Joining Fee | ₹449 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 5% fuel |
Kotak IndianOil Credit Card Rewards & Benefits
| Reward Rate | 5% fuel |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Fuel users |
Key Highlights of the Kotak IndianOil Credit Card
- Fuel cashback
- 5% fuel
Kotak IndianOil Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the Kotak IndianOil Credit Card
- Fuel savings — a genuine plus for anyone eyeing this mid-range card.
Drawbacks of the Kotak IndianOil Credit Card
- Niche — worth weighing before you apply.
Kotak IndianOil Credit Card — Frequently Asked Questions
What is the annual fee of the Kotak IndianOil Credit Card?
The Kotak IndianOil Credit Card has an annual fee of ₹449 and a joining fee of ₹449. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Kotak IndianOil Credit Card offer airport lounge access?
No, the Kotak IndianOil Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Kotak IndianOil Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Kotak IndianOil Credit Card?
The Kotak IndianOil Credit Card earns 5% fuel. It is best suited for Fuel users.
Credit Cards Similar to the Kotak IndianOil Credit Card
If you are considering the Kotak IndianOil Credit Card, these fuel credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- BPCL SBI Card Octane by SBI Card — rated 4.8/5, ₹1,499 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.3/5