Mr. Sharma enjoys great discounts on dining with his Credit Card. What about you? Get A Card
Citibank brings to you a card that gives the roadster turbo points for spending! The Indian Oil Titanium card is the fastest way to earn free fuel. Redeem these points for free fuel of up to 71 litres a year! Use them against your new purchases and more! Spend more and your annual fee will be waived. If you book your card before 31st December, Citibank will reward you with Rs. 250 worth of Activation Benefits.
Mr. Sharma is enjoying free airport lounge access with his Credit Card. What about you? Get A Card
Earn turbo points on all your purchases and earn even more at authorized IndianOil outlets.
You get 4 turbo points on Rs. 150 spent on fuel at IndianOil retail outlets across India.
Earn 2 turbo points on Rs. 150 spent on groceries and supermarkets.
Get 1 turbo point on Rs. 150 when you spend anywhere else.
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 is Rs. 1,000 which 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.
You can save over 5% on your fuel bills when you refuel at IndianOil outlets.
Earn 4x turbo points at Citibank’s featured partners that include Flipkart, HP, Grofers, Via.com, musafir.com, Freecharge, Fab Furnish and Flywidus.com and more.
Earn points for free fuel while you make your daily purchases.
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:
The important fees and charges for IndianOil Citibank Titanium Credit Card are listed below. All interest, fees and charges are subject to service taxes applicable as notified by the Government of India.
Rs. 1000, waived on expenditure of Rs. 30,000 or more in a year.
Initial rate of 3.25% per month (39% per annum)Dynamic rate of 3.10% to 3.50% (37.20 to 42.0% p.a.)
Card replacement fees
Late payment fees
Up to Rs. 10,000
Rs. 10,001 - 25,000
Above Rs 25,000
2.0% on the amount advanced or a minimum of Rs. 300. US$7.5 will be charged on international ATMs.
Over Credit Limit charge
2.5% of the transaction amount subject to Rs. 500 minimum
Rs. 350 per transaction
Statement request beyond 3 months
2.5% subject to a minimum of Rs. 10.Refuel at IndianOil outlets for this charge to be waived.
Counter railway booking and cancellation surcharge
2.5% of transaction subject to Rs. 25 minimum
Online railway ticket booking
For regular transactions, 1.8%For EMI transactions, 2.8%
Outstation Cheque (per cheque)
Rs.10001 to Rs.100000
Credit card payment cash deposit at Citibank branch
Credit card payment cash deposit at Citibank ATMs
Foreign Currency Transactions
Mark up of 3.5% + service taxes
How to redeem reward points?
Redeem your points for fuel at over 800 participating outlets. Each turbo point will be valued at Rs. 1. You need a minimum of 250 points.
Redeem your points at online stores and retail outlets instantly at Rs. 0.30 per turbo point. You need a minimum of 250 points.
For online travel, Citibank has partnered with websites where you can redeem your points at Rs. 0.25 per point. You need 250 points to be eligible to redeem them.
On Air India and Jet Airways, you can add air miles to your existing frequent flyer miles. Each turbo point is worth 0.75 miles you need at least 100 points for redemption.
You can adjust your points against your outstanding balance at Rs. 0.35 per point. You need to have at least 5000 points.
Redeem your 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.
You can apply for the IndianOil Titanium 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.
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.
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.
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.
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.
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.
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.
How do I pay my credit card bill?
Citibank provides you with a number of methods to pay your credit card bill.
You can pay it via cheque/DD in favor of your 16 digit card number. Visit a Citibank ATM and fill out the chalan available. Attach it to the cheque and deposit it in the “Credit Card Payment” dropbox.
You can mail your cheque to Citibank, Chennai. The address is available on the bank’s website.
You can pay online via your citibank account, NEFT, RTGS, ECS, E-PAY, Visa Money Transfer, Other banks websites, and on your mobile.
You can make a cash or cheque payment through ATMs. Fill up the chalan and attach it. Make sure cash is sealed in the duly-filled envelope provided at the ATMs. Follow the instructions on the ATM machine and make the deposit.
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CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
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Reviewed on Mar 21, 2020
CITI Bank provide very good customer services and it has been the best in the response. They have offered me a credit card of Rs. 1L and I have used it much for shopping purchase , restaurant,EB bill payment, rent payment using this card and amazon voucher monthly i am getting in this card.
I have applied CITI card applied through online process and I have submitted documents both on line and also the bank agent came and collect the hard copy of documents.I got the card on time. The processing fee and charges was good.The only benefit that i got from the card is only if I swipe it for petrol bunk.
CITI has offered an annual fee of 1000 rupees but there is an option of waiver option if I spend 30K within a year. I got a call on time, the process was smooth hence I received the card by 6 working days along with kit. The credit limit is sufficient and I get reward points based on usage. The benefits is good I get reward points and cash back. EMI conversion is applicable.
I am using CITI card for the past 2 months and the credit limit was less it was 56,000 and not faced any drawbacks .This was a free card and having fuel benefits since it was Indian oil card .I have submitted the required documents through agent. I have chosen this card since bank service was good.
This is a Reward credit card, since 2007 i am holding with CITI Bank and this card has much benefits like reward points some discounts and more. I can redeemed points on indian oil petrol and this is a free card, they given a sufficient credit limit of Rs. 3L. EMI options are available and mostly using this for shopping and fuel purpose. Quarterly i am getting airport lounge access 2 domestic and 1 international.
CITI has provided an annual fee chargeable of 3K and there is no waiver off option. The process was good. Within 20 days got the card. The credit limit is very low, around 1L was expected but got only 60K. The cash limit is 15K. I done first payment without any issue. I use this card for daily purpose and got good reward points. I done less transaction of up to 10K only so I haven't EMI conversion yet.
I got an annual fee chargeable card of 1000 rupees from CITI but if I spend 30K within a year fee will be waiver off. The credit limit is good and sufficient. I received the call on time and received the card by 2 weeks. Since already am using other bank card so chosen this bank. I use for Swiggy and shopping.
CITI customer service was good. The documentation was collected by an executive directly. Within 1 week I received the card. They have given 2 options with free card or fee card, I got more features more benefits in with fees card. So I preferred for that. The credit limit is not sufficient from Paytm i am getting movie ticket free monthly 2 tickets.
The rate of interest was very high in CITI Bank, need to decrease the interest rate. They given a sufficient credit limit and there are some annual charges and i think 500 wavier is there. I am getting cash back for all purchase and it was very simple process.
CITI customer service is good to the customer. But only the drawback was I am unable to change the pin number in mobile app, and cannot login the user name and password. At the time when I was applied this card no one as given information about card details. The credit limit is given of 85K.
This is a excellent credit card given by CITI Bank and there is a no doubtful. I am getting more reward points and the limit is sufficient they given 100% satisfied credit limit. I am using for online shopping, bill payment and the annual charges are applicable card.
I have not used CITI bank card I have got the card on delay basis it took more than 1 week .They have tried to deliver at home but at that time none was there , due to this reason it got delayed .The credit limit was sufficient and this was a chargeable and have minimum spend limit if spend the amount within the limit then the charges will be waived off.
I have applied CITI Bank credit card which was applied through online and I am using this card more than 2 months. Card statement I am getting through Email and they given a low credit limit i informed to increase the limit. I use to travel a lot so i am using for fuel purpose vehicle and diesel. Annual fees is 4999 may be wavier if i use this card 40k in a year, no need to pay the annual charges and the interest rate was high.
I got a credit card from CITI through online. The process was done on smooth. The credit limit is 51K which is sufficient for my need. I received the card by 10 working days. It is an annual fee and joining fee are applicable around 500 + plus GST. I am using this card for certain purpose.
I am holding CITI card for past 4 years which was applied through bank. The credit limit is sufficient, at initial they have given of 1L now increased up to 1.50L, the cash limit is 10K. EMI conversion is applicable. If I use 30K in a year no need to pay annual fee charge of 500 rupees. I use to do online transaction, what ever offer they are providing is good. I get reward points. It is Rewards card.
Documentation was very simple in CITI Bank, they have done a spelling mistake in my name so i have returned that card. After that they have send me a new card with the correct spelling, i am happy with the credit limit of Rs. 60k which is a zero annual charge card. This is a Indian oil card mostly i am using for petrol, hotel booking and for major things.
I am using CITI Bank credit card regularly actually i am spending some amount so it was a free card. I am fine with the credit limit of Rs. 52k and i am using for all purpose. EMI facilities are available but its not required for me. This bank has a good documentation process .
I have not used CITI bank credit card much. It is mostly used for my shopping and i have chosen this card since got the offers and the credit limit was very less it was Rs.50,000 and i am paying the credit card bill through online .I am getting otp for each transaction. I have not faced any issues on using this credit card .
I have not faced any difficulties so far on using CITI BANK credit card. I have not used the card much did only one transaction so far .This was a free card and it has fuel benefits and airport lounge access. I am mostly using for shopping, its good and got the card without any delay.