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.
Fees & Charges
Joining Fee
₹500 + GST
INR 449 + GST
₹500 plus applicable taxes (GST)
Renewal Fee
₹500 + GST
INR 449 + GST
₹500 plus applicable taxes (GST)
Spend Based Waiver
The annual fee of ₹500 can be waived by spending ₹1.75 Lakh in a year.
Annual fee waived on spending INR 50,000 or more in the previous anniversary year.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5%
3.5% markup on all international transactions.
3.5% will be applicable on all International/Cross currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month
Monthly interest rate of 3.75% or 45% per annum on outstanding balances.
3.75% per month (45% per year) on revolving credit.
Rewards & Benefits
Welcome Bonus
Receive 1,000 Fuel Points as a welcome benefit upon card issuance.
Get 1000 Reward Points as a welcome benefit on spending INR 500 or more within 30 days of card issuance.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
Rewards Rate
Earn an accelerated 10 Fuel Points for every ₹100 spent at IndianOil fuel stations.
Earn 24 RPs on every INR 150 on fuel (4% back) & 12 RPs on dining/groceries (2% back).
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST
Nil
₹99 plus GST
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Not Applicable
Dining Benefits
Not Applicable
Get 2% back as Reward Points on Grocery and Dining spends, capped at 800 RPs per cycle.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions.
1% waiver on fuel transactions (₹100-₹5000) at IndianOil, max ₹100 per statement cycle.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
Security & Other
Insurance Benefits
Not Applicable
Personal accident insurance cover of INR 2,00,000 included for financial security.
Not Applicable
Cash Advance Charges
2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
2.5% of cash withdrawn (min ₹500), or ₹300 for every ₹10,000 withdrawn.
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.