IOCL Kotak Credit Card 2025
Save over ₹15,000+ every year with fuel + lounge benefits!
Best fuel + travel card! IOCL Kotak gives 5% fuelback at IOC pumps, 4 lounge visits per quarter, ₹500 Amazon voucher, and just ₹499 fee.
Perfect for car owners & moderate travelers!
Why Choose IOCL Kotak in 2025?
5% IOC fuel • 16 lounge visits/year • ₹500 voucher • ₹499 fee • 4 RP/₹100 • ₹400 fuel waiver
Best for: Car owners, IOC fuel users, moderate travelers
Card At a Glance
₹499 + GST
₹499 + GST
5% at IOC Pumps
4/Quarter (16/year)
₹500 Amazon Voucher
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Welcome Benefit | ₹500 Amazon voucher |
| Fuel Surcharge Waiver | ₹400/month (₹400-₹4,000 txn) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5% fuelback (20 RP/₹400) at IOC pumps
- 4 Reward Points/₹100 on all other spends
- 1 RP = ₹0.25 (vouchers) | 1:1 airmiles
- Max ₹400 fuel surcharge waiver/month
- Points valid 2 years
Airport Lounge Access
4 complimentary domestic lounge visits per quarter (16/year)
Primary + add-on eligible
No minimum spend required
Insurance & Protection Benefits
- ₹50 Lakh air accident cover
- ₹5 Lakh personal accident cover
- ₹400 monthly fuel waiver
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% IOC fuelback | 3.5% forex markup |
| 16 lounge visits/year | IOC pumps only |
| ₹499 super low fee | 2-year point expiry |
| ₹500 Amazon voucher | 3.5% interest rate |
| ₹400 fuel waiver/month | No milestone benefits |
| Easy eligibility |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹4.5 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip
How to Apply Online (5-Minute Process)
- Visit Kotak website and select IOCL card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best fuel + lounge combo! 5% IOC fuel + 16 lounges + ₹499 fee = ₹15,000+ value. Perfect for car owners who travel!
Frequently Asked Questions (FAQs)
5% on all IOC pumps?
Yes! All Indian Oil pumps get 5% fuelback.
4 lounge visits/quarter?
Yes! 16 visits/year total.
₹400 fuel waiver?
Yes! Automatic on ₹400-₹4,000 fuel txn/month.
₹500 voucher automatic?
Yes! On first transaction within 30 days.
Easy to get?
Yes! ₹4.5L income + good credit score.