Patanjali RBL Bank Vishisht Credit Card
Rs 499Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
co-branded, grocery, entry level
Top rewards
Patanjali online & offline spends: 10% Cashback; Other eligible retail spends: 1 Reward Point / Rs 100 spent
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 | Patanjali RBL Bank Vishisht Credit Card | IndianOil Kotak Credit Card |
|---|---|---|
| Issuer | RBL Bank | Kotak Mahindra Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 499 | Rs 449 |
| Annual fee | Rs 499 | Rs 449 |
| Fee waiver spend | Rs 1,50,000 | Rs 50,000 |
| Reward type | cashback | Kotak Reward Points |
| Best for | co-branded, grocery, entry level | fuel, grocery, dining, co-branded |
| Top reward categories | Patanjali online & offline spends: 10% Cashback; Other eligible retail spends: 1 Reward Point / Rs 100 spent | 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 | Annual fee waiver on annual spends of ₹1.5 Lakhs or more | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 0.2 per point |
| Key exclusions | Fuel transactions, Cash advance transactions, EMI transactions | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends |