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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: 18 July 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.

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 WaiverAnnual fee waived on annual retail spends 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, equivalent to 45% per annum.
Interest Rate (APR)3.49% per month; 41.88% annually

Rewards & Benefits

Welcome BonusReceive 1000 Reward Points as a welcome benefit upon spending ₹500 or more within 30 days of card issuance.
Welcome Bonus
Rewards RateEarn 24 RP on ₹150 on fuel (4% back), 12 RP on ₹150 on dining/grocery (2% back), 3 RP on ₹150 on others (0.5% back).
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 Benefits
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Movie Benefits
Movie Benefits
Dining BenefitsEarn 12 Reward Points on every ₹150 spent on dining and grocery, equivalent to 2% back.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹100-₹5,000 at IndianOil, capped at ₹100/statement cycle.
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 cash withdrawn, minimum ₹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 ideal for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers significant savings on fuel, accelerated reward points on dining and grocery spends, and a valuable welcome benefit. Cardholders can enjoy flexible reward redemption options, including cashback and direct fuel payments, along with a personal accident insurance cover. This card is perfectly positioned for maximizing everyday savings, especially on vehicle-related expenses.

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.

Excellent for frequent IndianOil fuel users, offering significant savings and rewards.

Provides valuable welcome benefits and accelerated rewards on dining and groceries.

Offers flexible redemption options, including cashback and IndianOil XTRAREWARDS.

Includes a personal accident insurance cover and convenient 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 on fuel are capped monthly, which may limit benefits for high spenders.

Fuel surcharge waiver is capped at ₹100 per month and excludes UPI transactions.

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

A foreign currency markup of 3.5% makes international spends less attractive.

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.
Apply for IndianOil Kotak Credit Card(opens in new tab)Apply for AU Corporate Credit Card(opens in new tab)