Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IndianOil Citi Credit Card

    This Credit Card is the result of a tie-up with IndianOil and Citi Bank to provide cardholders with several offers on their fuel purchases. The card is meant for the people who depend on their own vehicles for their daily commute.
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  • We found 1 IndianOil Citi Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 If annual spends > 30,000 1000
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    Fee Details

    Citibank brings to you a card that gives you Turbo Points for spending. The Indian Oil Citi Credit Card is the fastest way to earn free fuel. Redeem these points for free fuel of up to 71 litres every year.

    IndianOil Citi Credit Card Features

    • Earn turbo points on all your purchases:
      • You get 4 turbo points for every Rs.150 spent and 1% fuel surcharge reversal on fuel at authorised IndianOil retail outlets across India.
      • Earn 2 turbo points for every Rs.150 spent on groceries and supermarkets.
      • Get 1 turbo point for every Rs.150 on all other spends.
    • Enjoy a flexible rewards redemption program which allows you to redeem your reward points on fuel, against your purchases at more than 700 merchant outlets or for gift vouchers.
    • Annual fee of Rs. 1,000 + applicable taxes is applicable at the end of the membership year.
    • Be eligible for instant loans against your credit card.
    • Convert any spend above Rs. 2500 to easy EMIs.
    • Citibank provides you with easy payment options to settle outstanding balances wherein you can convert the entire amount into easy EMIs and repay the sum at a lower rate of interest.
    • Settle your credit card bills with other banks by transferring them to Citibank and pay half the rate of interest you might be paying now. You can opt for an EMI repayment plan, and enjoy a preferred 12% per annum rate of interest with Citibank.
    • Enjoy services on the go with online, mobile, SMS and CitiPhone and over the counter banking.
    • Get SMS and email CitiAlerts to track your account activity.
    • Enjoy multiple methods of credit card bill payments.
    • Pay your utility bills securely online.
    • Get 24-hour assistance on CitiPhone.

    Benefits of IndianOil Citi Credit Card

    • Earn Turbo Points for free fuel while you make your daily purchases.
    • Earn 250 Turbo Points on spending any amount on the card within 30 days of its issuance.
    • Turbo points don't have an expiry date.
    • When you spend at least Rs. 30,000 on your card, the annual fee will be waived.
    • Get exclusive personal concierge services to make dining reservations, send flowers and plan a party and more.
    • Get travel assistance anytime you need.
    • Enjoy exclusive dining privileges and save up to 20% on your bills at over 2000 restaurants across India.
    • Get shopping privileges and enjoy savings at stores in your city.

    Fees and charges of IndianOil Citi Credit Card

    The important fees and charges for IndianOil Citi Credit Card are listed below. All interest, fees, and charges are subject to service taxes applicable as notified by the Government of India.

    Type of Charge Amount
    Annual Fee Rs.1,000 + applicable taxes, waived on the expenditure of Rs. 30,000 or more in a year.
    Joining Fee Nil
    Interest Rate Initial rate of 3.75% per month (45% per annum)
    Card replacement fees Rs. 100
    Late payment charges
    • No charges for statement balance of up to Rs.2,000.
    • Rs.600 for statement balance of more than Rs.2,000 up to Rs.7,500.
    • Rs.950 for statement balance of more than Rs.7,500 up to Rs.15,000.
    • Rs.1,300 for statement balance of more than Rs.15,000
    Cash advance fees 2.5% on the amount advanced subject to a minimum of Rs.500.
    Over Credit Limit charge 2.5% of the transaction amount subject to Rs.500 minimum
    Return Payment Charge Rs.500 per returned payment
    Reissue of lost, damaged or stolen card Nil
    Fuel transaction charge 1% + applicable GST fuel transaction charge levied by the merchant’s bank. This is reversed at authorised IndianOil outlets for transactions of Rs.10 or more.

    How to Redeem IndianOil Citi Card Reward Points?

    • Redeem your Turbo Points for fuel at authorised IndianOil outlets. Each Turbo Point will be valued at Rs. 1. You need a minimum of 250 points.
    • Redeem your Turbo Points for in-store shopping at partner stores at the rate of 30 paise per Turbo Point. You need a minimum of 250 points.
    • Redeem your Turbo Points for online shopping at the rate of 30 paise per Turbo Point. You need a minimum of 250 points.
    • Redeem your Turbo Points for online travel bookings at the rate of 25 paise per Turbo Point. You need a minimum of 250 points.
    • On Air India and InterMiles, you can add air miles using your Turbo Points. Each turbo point is worth 0.75 miles and you need at least 100 points for redemption.
    • You can adjust your Turbo Points against your outstanding balance at the rate of 35 paise per point. You need to have at least 10,000 points.
    • Redeem your Turbo Points for gift vouchers. Make a selection from the Citibank Rewards Catalogue available on their website.
    • You can also redeem your points at www.rewardsmerchandise.com.

    IndianOil Citi Credit Card FAQs

    1. How do I apply for this credit card?

      You can apply for the IndianOil Citi Credit Card directly on the Citibank website. Log on to Citibank, and under the heading Credit Cards you will find this card. Select it and apply.

    2. Can I find out my credit card application status?

      Yes, you can find out the status of your application on the Citibank website. Under "Credit Cards", look for Credit card application status. You need to enter your Application Reference Number. You also need to enter the same mobile number you entered in your credit card application.

    3. What is my Application Reference number?

      Citibank will send you an 11-digit number through SMS within 2 working days from your application. If you are unable to access this information, please note that your status might take 24 hours to be updated.

    4. What is dynamic interest rate? How does it differ from fixed interest?

      When you have a dynamic interest rate, your interest can fluctuate between a range specified. For the IndianOil Titanium Credit Card, the range is 37.20 to 42.0% p.a. The fluctuation depends on your credit card utilisation, purchases, repayment patterns, defaults, and the like.

    5. How do I avail of the fuel surcharge when I fill fuel at IndianOil?

      To collect reward points and avail of the fuel surcharge make sure your card is swiped on a Citibank EDC machine at the IndianOil outlet.

    6. Are dining privileges applicable on all days?

      Dining discounts and privileges are available on all days except blackout dates such as 24th December, 31st December and Public Holidays. Also remember to inform your waiter before the bill is generated to avail of the offers.

    7. Where can I redeem my points?

      You can redeem your points at Citibank partners. For the IndianOil Titanium Credit card, you are eligible to redeem your points online at Bookmyshow.com, Yatra.com, Magazinemall.in, Vodafone, Goibibo.com and IndiGo. At retail stores, you can redeem your points for part of your purchase at Shoppers Stop, Westside, and Reliance Digital.

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