# Kotak Indianoil Rupay Platinum Credit Card

**Best for:** Frequent diners and grocery shoppers

**Think twice if:** Rarely spends on dining or groceries

**Key strengths:** Earn 12 Reward Points on dining · 12 Reward Points on grocery purchases · Welcome benefit of 1000 Reward Points

## Fees

- **Joining Fee:** Joining Fee of Rs.449
- **Annual Fee:** Annual Fee of Rs.449
- **Fee Waiver:** Spend Rs.50000 For Annual Fees Waiver
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 3 Reward Points on Every Rs.150
- **Welcome Benefit:** Welcome Benefit - Get 1000 Reward Points

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