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
BPCL SBI Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, bpcl, grocery, dining, low fee
Top rewards
Fuel spends at BPCL petrol pumps: 13 Reward Points / Rs 100 spent; Grocery, departmental stores, movies, and dining spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1 Reward Point / Rs 100 spent
| Feature | IndianOil Kotak Credit Card | BPCL SBI Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | SBI Card |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 449 | Rs 499 |
| Annual fee | Rs 449 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | Kotak Reward Points | reward points |
| Best for | fuel, grocery, dining, co-branded | fuel, bpcl, grocery, dining, low fee |
| 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 spends at BPCL petrol pumps: 13 Reward Points / Rs 100 spent; Grocery, departmental stores, movies, and dining spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1 Reward Point / Rs 100 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 0.25 per point |
| Key exclusions | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends | cash withdrawal, balance transfer, fuel spends outside eligible BPCL reward construct, transactions excluded under BPCL SBI Card terms |