IndianOil HDFC Bank Credit Card vs IndianOil Kotak Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹500 + GST
₹449 + GST
Renewal Fee
₹500 + GST
₹449 + GST
Spend Based Waiver
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% markup on all international and cross-currency transactions.
3.5%
Interest Rate (APR)
3.75% per month (45% per annum) on revolving credit balance.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.
Rewards & Benefits
Welcome Bonus
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
1000 Reward Points on spending INR 500 or more within 30 days of card issuance.
Rewards Rate
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Earn 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Fuel Points
Reward Points
Reward Redemption Fee
₹99 + GST applies for reward point redemption.
Nil
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
Not Applicable
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Not Applicable
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Not Applicable
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.
Security & Other
Insurance Benefits
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.