INDIANOIL AXIS BANK Credit Card
Rs 500Annual fee
Rs 3,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, indianoil, online shopping, movies, upi
Top rewards
fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends
IndianOil Kotak Credit Card
Rs 449Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, grocery, dining, co-branded
Top rewards
IndianOil fuel spends: 24 Reward Points / ₹150 spent on IndianOil fuel spends; Grocery and dining spends: 12 Reward Points / ₹150 spent on grocery and dining; UPI and other eligible retail spends: 3 Reward Points / ₹150 spent
| Feature | INDIANOIL AXIS BANK Credit Card | IndianOil Kotak Credit Card |
|---|---|---|
| Issuer | Axis Bank | Kotak Mahindra Bank |
| Network | RuPay, Visa | RuPay |
| Joining fee | Rs 500 | Rs 449 |
| Annual fee | Rs 500 | Rs 449 |
| Fee waiver spend | Rs 3,50,000 | Rs 50,000 |
| Reward type | edge reward points | Kotak Reward Points |
| Best for | fuel, indianoil, online shopping, movies, upi | fuel, grocery, dining, co-branded |
| Top reward categories | fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends | IndianOil fuel spends: 24 Reward Points / ₹150 spent on IndianOil fuel spends; Grocery and dining spends: 12 Reward Points / ₹150 spent on grocery and dining; UPI and other eligible retail spends: 3 Reward Points / ₹150 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 0.2 per point |
| Key exclusions | Fuel spends at non-IOCL outlets, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends |