What is the annual fee for the Kotak Mahindra Bank IndianOil?

The annual fee for the Kotak Mahindra Bank IndianOil is ₹449. It can be waived on annual spends of ₹50,000.

Does the Kotak Mahindra Bank IndianOil offer airport lounge access?

The Kotak Mahindra Bank IndianOil does not include complimentary airport lounge access.

What rewards does the Kotak Mahindra Bank IndianOil earn?

It earns 0.5% on eligible spends as Reward Points.

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IndianOil — Kotak Mahindra Bank Credit Card | Card Manager

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Kotak

entry

•••• •••• •••• 0000

IndianOil

VISA

IndianOil

Kotak Mahindra Bank • Visa• Entry

catalog

Annual Fee

₹449

Base Reward Rate

0.50%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹449

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹100

Dining₹5,000/mo

+₹25

Grocery₹8,000/mo

+₹160

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹25

Online Shopping₹8,000/mo

+₹40

Utilities₹3,000/mo

+₹15

Annual earnings

₹4,380

Blended 0.70% effective return

Monthly spend₹52,000

Monthly earnings+₹365

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Welcome 1,000 RP on ₹500 in 30 days. 5% value-back on IOCL fuel up to ₹7,500/cycle.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
0.5% base reward rate on all eligible spends
0.50%medium
Fuel: 4% — 24 RP/₹150 (cap 1,200 RP/cycle).
4.0% · cap 1,200/momedium

Grocery: 2%

2.0% · cap 800/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹449. Annual: ₹449.
₹449
Annual fee waived on spending ₹50,000 per year.
Spend ₹50,000