The Kotak IndianOil RuPay Platinum has a ₹449 annual fee (waived on ₹50,000 annual spend), earns 24 Reward Points on Every ₹150 Spent on Indianoil Outlets (3 Reward Points on Every ₹150) and charges a 3.5% forex markup.
| Annual fee | ₹449 |
|---|---|
| Joining fee | ₹449 |
| Annual fee waived | On ₹50,000 annual spend |
| Top reward rate | 24 Reward Points on Every ₹150 Spent on Indianoil Outlets |
| Base rewards | 3 Reward Points on Every ₹150 |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
63 online offers across 42 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.3000 Discount · till 31 Oct
- AJIO: Flat Rs.150 off · till 31 Jul 2027
- MakeMyTrip: Upto 35% Instant Discount · till 31 Dec
- Goibibo: Upto 25% off · till 31 Dec
- EaseMyTrip: Flat 15% off · till 31 Dec
These are Kotak Mahindra Bank's own offers and RuPay network offers, so they apply to every Kotak Mahindra Bank RuPay card, not just this one. All Kotak Mahindra Bank offers by category.
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 at Indianoil outlets, earning 24 Reward Points on every Rs.150 spent. With a joining and annual fee of Rs.449 each, the annual fee is waived if you spend Rs.50,000 in a year, making it cost-effective for regular users.
Who should get the Kotak Indianoil Rupay Platinum Credit Card?
This card is ideal for individuals who regularly fuel their vehicles at Indianoil outlets and spend on dining and groceries. It suits users looking to earn higher reward points on fuel (24 points per Rs.150) and moderate rewards on dining and grocery spends (12 points per Rs.150).
How to maximise rewards on the Kotak Indianoil Rupay Platinum Credit Card?
To maximise rewards, prioritize spending at Indianoil outlets to earn 24 Reward Points per Rs.150. Also, use the card for dining and grocery purchases to earn 12 Reward Points per Rs.150. Avoid low-reward transactions like UPI payments, which earn only 0.5% reward points.
What purchases give the best value on the Kotak Indianoil Rupay Platinum Credit Card?
Fuel purchases at Indianoil outlets offer the best value with 24 Reward Points on every Rs.150 spent. Dining and grocery expenses also provide good value with 12 Reward Points per Rs.150. Other spends earn fewer points, so focus on these categories for maximum rewards.