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
INDIANOIL 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 / ₹100 spent at IndianOil outlets; Online: 5 EDGE REWARD Points / ₹100 spent on online shopping; Base: 1 EDGE REWARD Point / ₹100 spent on other eligible retail spends
| Feature | IndianOil Credit Card | INDIANOIL Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Axis Bank |
| Network | RuPay | RuPay, Visa |
| Joining fee | Rs 449 | Rs 500 |
| Annual fee | Rs 449 | Rs 500 |
| Fee waiver spend | Rs 50,000 | Rs 3,50,000 |
| Reward type | Kotak Reward Points | EDGE Reward Points |
| Best for | Fuel, Grocery, Dining, Co-Branded | Fuel, Indianoil, Online Shopping, Movies, UPI |
| Top reward categories | 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 | Fuel: 20 EDGE REWARD Points / ₹100 spent at IndianOil outlets; Online: 5 EDGE REWARD Points / ₹100 spent on online shopping; Base: 1 EDGE REWARD Point / ₹100 spent on other eligible retail spends |
| 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 ₹ 0.2 per point | Statement credit: upto ₹ 0.2 per point |
| Key exclusions | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends | Fuel spends at non-IOCL outlets, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends |