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
₹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.