Standard Chartered Platinum Rewards Credit Card
Rs 250Annual fee
0Domestic lounge
3.5%Forex markup
Best for
fuel, dining, lifetime free
Top rewards
Fuel spends: 5 reward points / Rs 150 spent; Dining spends at fine-dining outlets: 5 reward points / Rs 150 spent; Other retail spends: 1 reward point / Rs 150 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 | Standard Chartered Platinum Rewards Credit Card | IndianOil Kotak Credit Card |
|---|---|---|
| Issuer | Standard Chartered | Kotak Mahindra Bank |
| Network | Visa | RuPay |
| Joining fee | Rs 250 | Rs 449 |
| Annual fee | Rs 250 | Rs 449 |
| Fee waiver spend | - | Rs 50,000 |
| Reward type | 360° Rewards points | Kotak Reward Points |
| Best for | fuel, dining, lifetime free | fuel, grocery, dining, co-branded |
| Top reward categories | Fuel spends: 5 reward points / Rs 150 spent; Dining spends at fine-dining outlets: 5 reward points / Rs 150 spent; Other retail spends: 1 reward point / Rs 150 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 | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.2 per point |
| Key exclusions | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Fuel spends at non-IndianOil outlets, Rent payments, E-wallet loading transactions, EMI transactions, Education spends, Government spends |