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IndianOil RBL Bank Credit Card vs IndianOil Kotak Credit Card vs IndianOil HDFC Bank Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card
IndianOil Kotak Credit Card
IndianOil Kotak Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹449 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹449 + GST
₹500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% markup on international spends.
3.5%
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
1,000 Fuel Points
1000 Reward Points on spending INR 500 or more within 30 days of card issuance.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Earn 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
Nil
₹99 + GST applies for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Not Applicable
Movie Benefits
Not Applicable
Movie vouchers available for redemption through the Kotak Rewards portal.
Not Applicable
Dining Benefits
Not Applicable
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Not Applicable
Golf Benefits
Not Applicable
Concierge services include golf reservations for Rupay variant cardholders.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.

IndianOil RBL Bank Credit Card

IndianOil Kotak Credit Card

IndianOil HDFC Bank Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

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.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

Cons

Key drawbacks and limitations.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

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.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

Ready to Choose?

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