Kotak IndianOil Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Kotak Mahindra Bank
Network: Visa | Tier: Mid-Range
Fuel cashback
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
Drawbacks of the Kotak IndianOil Credit Card
- Niche
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:
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
Expert Rating: 4.3/5