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Kotak Mahindra Bank · credit card

IndianOil Kotak

₹449 + GST a year, waived on ₹50,000 a year

Issued on more than one network; the app asks which yours is where it matters.

What it earns, shop by shop

  • Anything else online: 0.5% reward points on anything online, no cap
  • BigBasket: 2% reward points on BigBasket, up to ₹200 a statement cycle maybe
  • Blinkit: 2% reward points on Blinkit, up to ₹200 a statement cycle maybe
  • Zepto: 2% reward points on Zepto, up to ₹200 a statement cycle maybe
  • Swiggy Instamart: 2% reward points on Swiggy Instamart, up to ₹200 a statement cycle maybe
  • JioMart: 2% reward points on JioMart, up to ₹200 a statement cycle maybe
  • Swiggy: 2% reward points on Swiggy, up to ₹200 a statement cycle maybe
  • Zomato: 2% reward points on Zomato, up to ₹200 a statement cycle maybe

"Maybe": it depends on how the bank files the shop, or on the card's variant; the app says so wherever it counts one.

Points are counted at what they fetch as vouchers. As cashback they are worth about half.

Against your other cards, on a price, with this week's offers: see it on Which card?

Lounge access

No lounge access.

Other Kotak Mahindra Bank cards

What a page can't see. The store's own product page, where the bank offers that decide most purchases are printed. The app reads it on your phone and ranks IndianOil Kotak against your other cards on every product.

Get it on Google PlayAndroid only; Which card? works on anything

Rates and terms are the banks' published ones as of 14 Oct 2026 (catalog 13); offers change often, and a cap counts all your spends in its period. Something wrong? Write to support@cardjuggler.com.