Kotak Silk Inspire Credit Card vs IndianOil Citi Platinum Credit Card

Joining Fees



Editor's Rating



Key Features

  • Avail 5x  Reward Points on every Rs. 100 spent on Apparels
  • Pay with Reward Points at selected merchant outlets
  • Spend Rs. 1, 25,000 every 6 months and avail 4 free PVR tickets or 1000 reward points
  • Avail 1 reward for every Rs. 200 spent on other categories without any restrictions 
  • 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
  • 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
  • Get Deals and Discounts locally and in over 90 countries
  • Instant loans to get things done right away
  • Save up to 20% on dining bills at participating restaurants

Editor's Review


  • 5% savings on apparels
  • Get 1 Reward Point for every Rs.200 spent on other categories
  • Silk Inspired Shield


  • No Golf Privileges 
  • No Concierge Services 
  • No Airport Lounge access 


  • Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
  • Get 250 Turbo Points on your first spend within 30 days of card issuance
  • Redeem points instantly via SMS against purchases at leading brands


  • No complimentary Airport Lounge access
  • Fuel points are applicable only for Indian Oil fuel stations
  • No cash-back options

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