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 / ₹150 spent; Dining Spends At Fine-Dining Outlets: 5 reward points / ₹150 spent; Other Retail Spends: 1 reward point / ₹150 spent
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 | Platinum Rewards Credit Card | IndianOil 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 / ₹150 spent; Dining Spends At Fine-Dining Outlets: 5 reward points / ₹150 spent; Other Retail Spends: 1 reward point / ₹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 ₹ 0.25 per point | Statement credit: upto ₹ 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 |