Indian Oil Kotak Credit Card

Here’s what makes the Indian Oil Kotak Credit Card a practical choice for fuel and lifestyle expenses:

The IndianOil Kotak Credit Card offers a rewarding program tailored for fuel and everyday expenditures. Here's an overview of its rewards structure:

Reward Points

Here are the reward points offered by Indian Oil Kotak Credit Card:

Redemption Process

Redeem your reward points at ₹0.25 per point through the exclusive Kotak benefits catalogue. Reward points can be used for vouchers, merchandise, and more.

Expiration

Reward points are valid for two years from the date of accrual. Ensure timely redemption to maximise benefits.

Example of Savings

Here’s an illustration of how your monthly and annual spends translate into rewards:

• Fuel at IndianOil Stations: ₹8,000

• Dining and Groceries: ₹10,000

• Other Purchases: ₹12,500

 

The rewards would be calculated as follows:

Annual Savings Estimate

Based on similar spending habits:

• Total Annual Spends: ₹30,500 × 12 = ₹3,66,000

• Annual Reward Points Earned: 27,000 Points

• Cash Value of Reward Points: ₹7,000

• Surcharge Waiver Benefit: ₹960

• Total Annual Benefit: ₹7,960

• Earning Back Percentage: 2.17% of Annual Spending

 

Disclaimer: The above example is for illustration purposes only. Actual rewards and savings may vary depending on spending patterns and issuer policies. Please confirm with Kotak Mahindra Bank for accurate details.

 

By strategically utilising the IndianOil Kotak Credit Card for your expenditures, you can effectively maximise your savings through its comprehensive rewards program.

Here are the fees and charges associated with the Indian Oil Kotak Credit Card, ensuring transparency and clarity for credit cardholders:

Note: A GST of 18% is applicable to the charges mentioned above.

 

Disclaimer: Fees and charges may change at the issuer’s discretion. Please review the Most Important Terms and Conditions (MITC) document for the latest information before applying.

Applicants need to fulfil the eligibility requirements and submit the required documents to apply for the Indian Oil Kotak Credit Card:

Eligibility Criteria

Applicants will need to meet the following eligibility criteria:

• Must be an Indian resident

• Primary cardholder’s age between 21 and 65 years

• Add-on cardholders’ age must be 18 years or above

• Salaried or self-employed individuals are eligible

Documents Required

The following documents are typically required for submission:

Identity Proof:

• Aadhaar card

• PAN card

Applying for the Indian Oil Kotak Credit Card online is a hassle-free process. Here’s how you can apply:

1. Click on "Check Eligibility" and enter your details, including phone number, date of birth, and occupation

2. Input the OTP sent to your registered mobile number to proceed further

3. Confirm the pre-filled details like PAN, email address, residential PIN code, and income information

4. Review the available credit card options and choose the one that suits your needs

5. Submit your application online to complete the process efficiently

For assistance with your Kotak Mahindra Bank credit card, you can reach out through the following channels:

Banking and Credit Card Support

Call 1860-266-2666 anytime for help with banking or credit card-related queries.

Fraud and Unauthorised Transactions

Report incidents by dialling 1800-209-0000, available 24x7.

Priority Call-back Service

SMS "KPRIVY" to 5676788 to receive a call back within 30 minutes. This service is exclusive to Privy League Optima and Insignia customers (standard SMS charges apply).

Online Support

Submit your queries using the form available on the official Kotak Mahindra Bank website.

Understand how the Indian Oil Kotak Credit Card fares compared to other Kotak credit cards:

Note: The benefits mentioned are subject to change as per Kotak Mahindra Bank's policies. Please verify the details before applying for the IndianOil Kotak Credit Card

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.