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

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    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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