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Kotak · RuPay

IndianOil Fuel Credit Card

Save up to 5% on IndianOil fuel spends!

Annual fee
₹449
Forex markup
Lounges (Dom/Intl)
— / —
Welcome benefit
₹1,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.33% travel · 0.33% dining · 0.33% base.

Net steady-state return
₹1,980 /year
0.33% effective · fee waived
Annual reward earned₹1,980
Welcome benefit (year 1)One-time₹1,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹449
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs Axis Bank ACE

At ₹50,000/month with 15% travel and 10% dining.

Metric
IndianOil Fuel Credit Card
Axis Bank ACE
Annual fee
₹449
₹499
Annual reward
₹1,980
₹9,000
Net /year (steady)
₹1,980
₹9,000
Forex markup

Tools for IndianOil Fuel Credit Card holders

Frequently asked

Is the IndianOil Fuel Credit Card worth the ₹449 fee?

It depends on your spend. The IndianOil Fuel Credit Card earns 0.33% base reward and waives the annual fee at ₹50,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for IndianOil Fuel Credit Card?

Kotak hasn't published a hard minimum income for IndianOil Fuel Credit Card. Approval depends on credit score, existing relationship, and employment type.

Verified todaylikelySource: www.kotak.bank.in

Reward rates and fees are sourced from Kotak's product page and may change. Always confirm with the card issuer before applying.