Cashback+ Credit Card
Rs 750Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online Food, Grocery, Entertainment, Fuel
Top rewards
Online Grocery And Food Delivery: 5% cashback; Online Movies And OTT Entertainment: 5% cashback; Fuel Spends: 3% cashback
IndianOil 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 | Cashback+ Credit Card | IndianOil Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 750 | Rs 449 |
| Annual fee | Rs 750 | Rs 449 |
| Fee waiver spend | Rs 2,00,000 | Rs 50,000 |
| Reward type | Cashback | Kotak Reward Points |
| Best for | Cashback, Online Food, Grocery, Entertainment, Fuel | Fuel, Grocery, Dining, Co-Branded |
| Top reward categories | Online Grocery And Food Delivery: 5% cashback; Online Movies And OTT Entertainment: 5% cashback; Fuel Spends: 3% cashback | 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 ₹ 1 per point | Statement credit: upto ₹ 0.2 per point |
| Key exclusions | Rent payments, B2B transactions, Utility bills, Insurance premiums, Education spends, Government services spends | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends |