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    IndianOil Citibank Titanium Credit Card

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    IndianOil Citibank Titanium Credit 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.

    Features:

    • 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.

    Benefits:

    • 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.

    DescriptionAmount
    Annual FeeRs. 1000, waived on expenditure of Rs. 30,000 or more in a year.
    Interest RateInitial 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 feesRs. 100
    Late payment fees
    Outstanding BalanceFee
    Up to Rs. 10,000Rs. 300
    Rs. 10,001 - 25,000Rs. 600
    Above Rs 25,000Rs. 700
    Cash advance2.0% on the amount advanced or a minimum of Rs. 300. US$7.5 will be charged on international ATMs.
    Over Credit Limit charge2.5% of the transaction amount subject to Rs. 500 minimum
    Cheque/ECS BounceRs. 350 per transaction
    Statement request beyond 3 monthsRs. 100
    Petrol Transaction2.5% subject to a minimum of Rs. 10.Refuel at IndianOil outlets for this charge to be waived.
    Counter railway booking and cancellation surcharge2.5% of transaction subject to Rs. 25 minimum
    Online railway ticket bookingFor regular transactions, 1.8%For EMI transactions, 2.8%
    Outstation Cheque (per cheque)
    Upto Rs.10000Rs.50
    Rs.10001 to Rs.100000 Rs.100
    Above Rs.100001 Rs.150
    Credit card payment cash deposit at Citibank branchRs. 100
    Credit card payment cash deposit at Citibank ATMsRs. 50
    Foreign Currency TransactionsMark 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.

    IndianOil Citibank Titanium Credit Card FAQs:

    1. How do I apply for this credit card?
    2. 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.

    3. Can I find out my credit card application status?
    4. 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.

    5. What is my Application Reference number?
    6. 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.

    7. What is dynamic interest rate? How does it differ from fixed interest?
    8. 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.

    9. How do I avail of the fuel surcharge when I fill fuel at IndianOil?
    10. 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.

    11. Are dining privileges applicable on all days?
    12. 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.

    13. Where can I redeem my points?
    14. 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.

    15. How do I pay my credit card bill?
    16. 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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  • IndianOil Citibank Titanium Credit Card Reviews

    • Citibank Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      It was a fine experience with CITI bank credit card, i did not receive any mail regarding the due date and the statement. The process took 1 week to complete and the credit limit is less in this credit card. I get good reward points on petrol and i use this card for multipurpose. Customer service was good and they collected documents on time.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Bad Experience with CITI Card"
      0.5 5.0/5 "Blown Away!"
      They said it is a life time free card but when i received a bill,they have charged me Rs. 500+GST Total Rs. 590. Hence i called the customer care, They said it is not life time free card. Some times if i call, the IVR is too long and it used to cut automatically. Cash back offers not found so far in this card. They have provided me a Credit limit of Rs.60000 which is not satisfactory. I will not recommend this card to anyone.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with CITI bank credit card was good, the process took 10 days to complete and i am happy with the credit limit in this credit card. An annual fee of Rs 500 has to be paid for this card. I use this credit card for multipurpose and i did not find any offers on this credit card. I am finding issues with making payments and the customer service was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      There are lots of offers in this CITI Rewards card. There are lots reasonable offer. They are sending regular notification about the offer to my mobile. Sometimes in Amazon i will get 5% extra cash back offer. I will get rewards points minimum of Rs.120 rupees if i spend. They have provided the credit limit of Rs. 90 K and I'm happy about it. I have been using it for 2 months.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have got better with the Citibank in regards to my credit card. The customer support service and the response is good with the Citibank. The credit limit value is good with this Citi cash back credit card and I am satisfied with it. I would say it is a good card to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Good for Usage"
      0.5 4.0/5 "Great!"
      CITI is providing best for offers. Rewards points and cash backs. I have been this card for 2 month. I got the card on February month. I'm using this for electronic purchased in the merchants. I'm yet to receive my 1st month bill. If i used the card Rs.30000 within the years, they will waive off the annual charges. Movie tickets offers are there but I'm not much sure about it. Most of the CITI card will be have 1+1 tickets will be there.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The response was good from the Citibank in regards to my credit card application. I have got the Citi rewards credit card within 2weeks time. The customer support service and the response is good with the Citibank. The credit limit value is good with this Citi rewards credit card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      My experience with CITI bank credit card was not up to the mark, the mobile application is not working in this bank. I received my credit card within 7-10 days. They gave a credit limit of Rs 60000 which is sufficient in this credit card. I pay an annual fee of Rs 1000 for this credit card. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Offers and limit is good"
      0.5 4.0/5 "Great!"
      Citibank has also offered me a credit card and the banking is good. There are good offers and the credit limit is also good. There are no charges for the card and the transactions are smooth. The statements are clear and they are sent to me always on time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The customer support service and the response is good from the Citibank , their executives came to my place to collect the documents on time. The credit limit value is good with this Citi rewards credit card, but it haven't crossed my expectation.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the Citi rewards credit card around a month ago. The customer support service and the response is good from the Citibank and they give good service to the customers. The credit limit value is not up to the mark with this Citi rewards credit card and I am not satisfied with it, It would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Better service"
      0.5 4.5/5 "Excellent!"
      The Citibank gave me immediate response in regards to my credit card application and I have got the Citi rewards credit card within a time. The customer support service and the response is good from the Citibank. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The Citi rewards credit card credit card is good to use and I use this card for more than 2years. The customer support service and the response is good from the online portal. The benefits like cash back offers and the reward points programs are good from the Citi rewards credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have chosen this card because of the benefits and features with the card. the credit limit which they had provided with the card had been a little less where i was expecting more. Except that everything has been good so far. It has been a smooth and easy process for getting the card. I have been using the card mainly for shopping purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have taken a Citi bank credit card, the limit is good but I face issues with the Citi bank, their banking is not good there is no option available to pay, secondly branch is not available everywhere and their customer service is also not able to resolve my issue at the time if activating my credit card. The important part is I faced payment issue with the bank where they ask Rs 250 charges for making cash payments and cheque taken at least 5 business days to clear the amount.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It has been the best card among all the cards which i am holding. It has been the best during the fuel recharges where they have been providing with good reward points. It has been a great advantage using this card. I have been holding this card from 2011 and there has been no issues faced from them so far. Even they had given me with a good credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the Citibank and they have delivered the Citi rewards credit card within 15 days of time. The customer support service and the response is good from the Citibank. The credit limit value is good with this card and I am satisfied with the limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have got the card on time and the process has been quite simple and easy. I am not fully aware about the card features and benefits completely. The credit limit which they have provided had been good. I have been using the card for shopping and for online purchases and mainly i have been using the card for fuel purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Citibank is good overall in the credit card services. There are good deals and the credit limit is up to the mark and to my satisfaction. There are offers like cash back and there are rewards as well. There are no charges and I am glad to bank with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I bought the CITI CASHBACK CARD online, I just Just got the card and haven't used the card to its full extend. The application process was and hassle free. I got the card with in 10 days. I need to use this card to give a clear idea about their services.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 22, 2018
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