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IndianOil Kotak Credit Card VS AU Corporate 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.

Features

IndianOil Kotak Credit Card
IndianOil Kotak Credit Card
AU Corporate Credit Card
AU Corporate Credit Card

Fees & Charges

Joining Fee
₹449 + GST
Nil
Renewal Fee
₹449 + GST
Nil
Spend Based Waiver
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5%
2.99%
Interest Rate (APR)
3.75% per month (Annualized @ 45%), effective from 1st June 2025.
3.49% per month (equivalent to 41.88% annually)

Rewards & Benefits

Welcome Bonus
1000 Reward Points on spending INR 500 or more within 30 days of card issuance.
Rewards Rate
Earn 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points
Not Applicable
Reward Redemption Fee
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
International Lounge Access
Not Applicable
Travel Benefits
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.

Security & Other

Insurance Benefits
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Cash Advance Charges
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
2.5% of the over-limit amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil Kotak Credit Card

AU Corporate Credit Card

Who is it for?

The IndianOil Kotak Credit Card is a co-branded fuel credit card offering significant savings on IndianOil fuel, with up to 5% value back. It provides accelerated rewards on dining and groceries, a welcome bonus of 1000 Reward Points, and a 1% fuel surcharge waiver. Ideal for frequent travelers and new credit users, the card also includes personal accident insurance and flexible redemption options.

Who is it for?

The AU Corporate Credit Card is a comprehensive, lifetime-free solution for businesses to manage corporate travel, entertainment, and employee expenses efficiently. It centralizes billing, automates reconciliation with a web-based expense management solution, and offers robust features like domestic lounge access, a 1% fuel surcharge waiver, and extensive insurance benefits. Designed for cost savings and administrative convenience, it streamlines financial operations for organizations.

Pros

Key benefits and features.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

Pros

Key benefits and features.

Lifetime Free: No joining or renewal fees, which helps companies save money immediately.

Automated web-based expense management solution simplifies tracking, reconciliation, and approvals.

Extensive insurance covers: air accident (₹50L), zero fraud liability, and travel protection (₹50k).

Domestic Airport Lounge Access: Offers two complimentary visits per quarter.

Fuel Surcharge Waiver: Provides savings on fuel transactions.

Cons

Key drawbacks and limitations.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

Cons

Key drawbacks and limitations.

Lacks welcome benefits and general rewards programs like cashback or loyalty points.

Foreign currency markup fee of 2.99% for international expenses.

No specific travel rewards for flights or hotels beyond lounge access and insurance.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.