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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.
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Last updated: 30 September 2026

Both IndianOil Kotak Credit Card and AU Corporate Credit Card suit fuel-focused spenders, but they earn and cost differently. IndianOil Kotak Credit Card costs ₹449 + GST and earns 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others. AU Corporate Credit Card is lifetime-free and earns not Applicable. IndianOil Kotak Credit Card also brings receive an insurance cover worth INR 2 Lakhs for personal accidents, while AU Corporate Credit Card counters with 8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA. If fuel spending matters more, go with IndianOil Kotak Credit Card; if business is the priority, AU Corporate Credit Card fits better.

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CheQ AU Credit Card

Zero Fees. More Rewards

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

Fees & Charges

Joining Fee₹449 + GST
Joining FeeLifetime Free
Renewal Fee₹449 + GST
Renewal FeeLifetime Free
Spend Based WaiverWaived on annual spend of ₹50,000 or more in the previous anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.5%
Foreign Transaction Fees2.99%
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.49% per month; 41.88% annually

Rewards & Benefits

Welcome Bonus1000 Reward Points on spending ₹500+ within 30 days of card issuance.
Welcome Bonus
Rewards Rate4% on IndianOil fuel, 2% on dining & groceries, 0.5% on other spends & UPI transactions.
Rewards Rate
Reward TypeReward Points
Reward Type
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
International Lounge Access
International Lounge Access
Travel BenefitsReward points redeemable for travel; concierge for car rental & limousine reservations.
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Movie BenefitsConcierge for movie ticket booking; reward points redeemable for movie vouchers.
Movie Benefits
Dining Benefits2% back as Reward Points on dining spends.
Dining Benefits
Golf Benefits
Concierge services available for golf reservations.
Golf Benefits
Fuel Surcharge Waiver1% waiver on IndianOil fuel spends (₹100-₹5,000), max ₹100/cycle. Not on UPI.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Cash Advance Charges2.5% of amount withdrawn, min. ₹500.
Cash Advance Charges2.5% 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 an entry-level co-branded fuel card designed for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers substantial savings on fuel, accelerated reward points on grocery and dining, and a welcome bonus. With flexible redemption options including cashback and IndianOil XTRAREWARDS, along with personal accident insurance and concierge services, it provides a rewarding experience for daily travel and essential spends, making it ideal for budget-conscious users seeking fuel benefits.

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Pros

Key benefits and features.

Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.

Accelerated reward points on daily essential spends like groceries and dining (2% value back).

Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.

Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.

Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.

Pros

Key benefits and features.

Integrated web-based tool for easy expense tracking and efficient management.

Zero liability for fraudulent transactions if the card is reported lost or stolen.

Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.

Access complimentary domestic airport lounges twice every quarter for comfortable travel.

Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.

Cons

Key drawbacks and limitations.

Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.

The card does not provide any complimentary airport or railway lounge access benefits.

Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.

High foreign currency markup of 3.5% makes it less ideal for international spending.

Welcome benefits are only applicable to cardholders who pay the initial joining fee.

Cons

Key drawbacks and limitations.

The card lacks welcome benefits and any additional rewards programs for users.

A foreign currency markup of 2.99% can increase costs for international business transactions.

High annual interest rate of 41.88% makes carrying balances expensive for businesses.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

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