Key Benefits
More about the Kotak Indianoil Rupay Platinum Credit Card
Is the Kotak Indianoil Rupay Platinum Credit Card worth it in 2026?
The Kotak Indianoil Rupay Platinum Credit Card is worth it if you frequently spend on dining, groceries, and Indianoil outlets. With 12 reward points per Rs.150 on dining and groceries, and 24 points per Rs.150 at Indianoil outlets, the rewards can offset the Rs.449 annual fee if you spend over Rs.50,000 annually.
Who should get the Kotak Indianoil Rupay Platinum Credit Card?
This card is ideal for regular users of Indianoil outlets and those who spend on dining and groceries. If you spend Rs.50,000 or more annually, you can waive the Rs.449 fee, making it suitable for everyday spenders looking to earn rewards on fuel, food, and groceries.
How to maximise rewards on the Kotak Indianoil Rupay Platinum Credit Card?
Maximise rewards by using the card for dining and grocery purchases to earn 12 points per Rs.150 spent, and at Indianoil outlets for 24 points per Rs.150. Additionally, use UPI transactions to earn 0.5% reward points on every Rs.150 spent.
What purchases give the best value on the Kotak Indianoil Rupay Platinum Credit Card?
Indianoil outlet spends offer the best value with 24 reward points per Rs.150. Dining and grocery purchases also provide strong rewards at 12 points per Rs.150, while UPI transactions earn 0.5% reward points per Rs.150 spent.