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    IndianOil Citi Platinum Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    Get coupons worth up to Rs. 10,000 FREE
    What you'll love
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    Fee Details

    IndianOil Citi Platinum Card is Rated as "Excellent!" by 815 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service



    With over a decade experience in the Indian banking sector, CitiBank offers a wide range of credit cards to cater different type of customers. Recently, CitiBank has launched IndianOil Citi Platinum Card which will benefit people who use their vehicle frequently. This card offers excellent rewards for fuel transactions.

    Citibank Credit Card Diwali Offer

    Key highlights:

    • Get unlimited 1 Turbo points on every Rs.150 spent at all stores and on all purchases.
    • Enjoy up to 20% discounts at around 2000 restaurants using IndianOil Citi Platinum Credit Card.
    • Fill fuel in any IndianOil petrol bunk and get 5% discount on fuel bill.


    Save on your fuel bills: Customers with IndianOil Citi Platinum Credit Card can save up to 5% on fuel bills when they use the card in any IndianOil outlet.

    Fuel Surcharge: Cardholders enjoy full waiver up to 2.5% on fuel purchases.

    Earn Turbo points: IndianOil Citi Platinum Credit Cardholders can earn 4 Turbo points for every Rs.150 spent at our featured partner’s website like makemytrip or Flipkart. Buy groceries in participating supermarkets and earn 2 Turbo points on every Rs.150. This is capped at Rs.5, 000 or 67 points per month. Visit CitiBank official website for a complete list of featured partners and supermarkets.

    Hassle free rewards redemption plan: You can convert redeem your reward points for free fuel instantly by filling fuel in IndianOil outlets in India or convert your points to gift certificates and shop online. You can also use your accrued reward points in merchant outlets like Shoppers Stop LTD. For a complete list of merchant outlets in your city, please visit CitiBank website.

    No annual fee: Annual membership fee of Rs.1000 is waived off for cardholders who spend Rs.30, 000 or more in one year.

    Concierge services: From event planning to international trip assistance, concierge services offered by CitiBank covers it all.


    Instant loan on your card: IndianOil Citi Platinum Credit Card members can get instant loan against credit or cash limit on their credit card. The loan amount may exceed the cash limit. If you are eligible, loan is disbursed without any documentation process.

    Easy EMI options: You can convert your high value purchases bills above Rs.2, 500 into easy EMIs with just one click.

    Instant information facility: Check your card status, reward points available, total due amount or any such information on the go with SMS banking services available. Check HDFC website for phone numbers and message pattern.

    Pay utility bills: With over 200 billers to choose from, the online payment portal offered by CitiBank is one of the easiest way to pay your utility bills.

    Fees and Charges

    Details Charges
    Supplementary card Nil
    Interest rate 3.25% monthly or 39% per annum. Interest rate can change based on spends, payback or utilisation.
    Annual renewal fee Zero if Rs.30, 000 spent in one year. If not Rs.1000 is charged.
    Cash advance fee 2.5% for domestic withdrawal with minimum amount of Rs.500. For international withdrawals, US$7.5 is charged.
    Credit limit Will be decided at the time of issue.
    Cash advance limit Will be decided at the time of issue.

    Eligibility and Documentation:

    • The applicant should be at least of age 18 and a citizen of India or must at least hold the relevant visa.
    • The individual will be requested to sign a consent form and also submit copies of PAN Card, monthly income slips, address proof, national identity proof will be asked as part of documentation processes.
    • Do enquire with IndianOil Citi Platinum Credit Card for the precise income criteria prior to proceeding with the application.

    How to apply for IndianOil Citi Platinum Credit Card?

    • Visit BankBazaar and click on the Credit Cards section. You can opt for the required bank and card.
    • Bankbazaar comes with a comparison tool using which you can get a list of credit cards, fees, interest rates and others.
    • Once the card is chosen, simply click on ‘Apply’.

    How to redeem Turbo Points?

    You will get several attractive options through which you can redeem the Turbo Points available with your IndianOil Citi Platinum Credit Card. These options are listed below.

    • They can be redeemed instantly at any of the 950+ outlets of IndianOil around the country. 1 Turbo Point will be equivalent to 1 Rupee worth of free fuel. Minimum 250 points required for redeeming at IndianOil outlets.
    • They can also be redeemed instantly at any of the 700+ partner stores such as Westside, Shoppers Stop and Landmark etc. You will need minimum 250 points to redeem. 100 Turbo Points will be equivalent to Rs 30.
    • Another convenient way of redeeming the points is using them to pay off the balance of your credit card by calling Citi Phone. Minimum 5000 points will be required to redeem them against card balance and 100 Turbo Points will be equivalent to Rs 35.
    • You can also convert your Turbo Points to Air Miles on Air India and Jet Airways. The points will be added to your existing air miles with these airlines and 100 Turbo Points will be equivalent to 75 air miles. You will need minimum 100 points to redeem them into air miles.

    IndianOil CitiBank Platinum Credit Card Q&A:

    1. What is the value of 1 turbo point?

      1 Turbo point is valued at Rs.1 worth on fuel. For more details on turbo point’s value, visit CitiBank website.

    2. When will my Turbo points expire?

      Turbo points once earned will never expire. Use them now or save it for something great later.

    3. What is the minimum reward points I must have to redeem?

      You need a minimum of 250 reward points to redeem the same.

    4. Can I transfer my reward points to another IndianOil Citi Platinum Credit cardholder?

      Sorry, you are not allowed to transfer your reward points to another cardholder.

    5. What is instant rewards?

      You can visit participating online shopping websites or walk into our retail partner’s store and swipe your card to redeem your reward points instantly. Visit HDFC official website for a complete list of participating websites and stores.

    6. Can I use my turbo points to buy products other than fuel?

      Yes. You can use your Turbo Points to redeem against host of options including holidays, air miles, cash back and for shopping at over 700 retail and online partners of Citibank.

    7. What is the yearly membership fee?

      You can save paying membership fee if you spend more than Rs 30,000 in a year. But if you are spending less than that, a fee of Rs 1000 will be charged.

    8. Is there a limit on turbo points that I can save and use?

      No. You can save as many turbo points as you want which are not constrained by a time limit and redeem them for exclusive merchandise.

    9. How do I check my Turbo Points?

      Customers can get in touch with the customer care in order to get the required info or Track your Turbo Points at any time with just an SMS.

      SMS ‘REWARDS XXXX’ to 52484 or 9880752484. ‘XXXX’ would be the last 4 digits of your credit card.

    10. Can I request for additional cards?

      Yes. You can get supplementary cards for your family’s use. And if you subscribe for up to three additional cards, you get free fuel for Rs 200 (i.e. 200 Turbo Points) for each card, plus the benefit of not having to pay Annual or Renewal Fees on all three cards.


    Compare, check your eligibility and apply for credit cards online.

    IndianOil Citi Platinum Card Reviews

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