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| Feature | RBL Bank IndianOil RBL Bank Credit Card | Kotak Mahindra Bank Kotak League Platinum Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | Kotak Mahindra Bank |
| Network | Mastercard + RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,75,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 0.5% | 0.2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Fuel & commute | 5% · Eligible IndianOil fuel rewards | Excluded |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹41,667/month salaried · ₹41,667/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Moderate IndianOil customers who prefer a low-fee RuPay fuel card. | Kotak customers seeking an affordable RuPay card with occasional movie value. |
| Main trade-off | The 5% fuel rate works only at select IndianOil terminal IDs and is capped at 1,000 Fuel Points monthly. Many regulated categories earn no points and do not count toward the waiver. | Cash redemption is ₹0.07 per point versus ₹0.10 for catalogue vouchers. Each half-year target is independent; one strong half does not unlock the other. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
