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IndianOil CITI Credit Card

Product Details
Credit Card Name : 

IndianOil CITI Credit Card

Bank Name :

CITI Bank

Type :

Fuel Credit Card

Interest Rate : 

3.75% per month (45% p.a.)

Eligibility :

You must be at least 18 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit history and no payment defaults.
You must have a personal annual income of Rs. 4 Lacs and above (for both salaried and self-employed individuals).
You must have a current/permanent residential address in India.

IndianOil CITI Credit Card
Pros
  • Accelerated Rewards on Fuel spends

  • Earn on all Daily Spends: 2 Turbo points / Rs. 150 spent on groceries and supermarkets and 1 Turbo point / Rs. 150 on all other spends.

  • Fuel surcharge waiver: Get 1% fuel surcharge waiver on all transactions at IndianOil pumps.

  • Welcome bonus: Earn 250 Turbo Points on joining.

Cons
  • Limited reward program: The reward program is primarily focused on fuel spending, with lower rewards on other categories.

  • Points capping: There is a monthly cap of 267 Turbo Points on grocery and supermarket spending and 10,000 Turbo Points on fuel spending.

  • Limited network: The fuel surcharge waiver and Turbo Points are only applicable at IndianOil outlets.

Pros & Cons
Welcome Benefits

Customers can earn 250 Turbo Points on joining

Rewards System
  • 2 Turbo points / Rs. 150 spent on groceries and supermarkets. 

  • 1 Turbo point / Rs. 150 on all other spends.

  • 1 Turbo Point = Re. 1

  • Effective Cashback Rate: 1%

International Forex Markup

Up to: 3.5% 

Welcome Benefits and Reward System
Special Features

Up to 20% savings across participating restaurants.

Eligibility Criteria

You must be at least 18 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit history and no payment defaults.
You must have a personal annual income of Rs. 4 Lacs and above (for both salaried and self-employed individuals).
You must have a current/permanent residential address in India.

Benefits
  • Turbo Points: Earn points on eligible spends which can be redeemed for various rewards.

  • Additional Lifestyle Benefits: Airport lounge access, dining discounts, movie offers, etc. (varies by card).

  • Travel Perks: Some cards offer airfare discounts, travel insurance, etc.

  • No Foreign Transaction Fees: No additional charges on overseas transactions (applies to specific cards).

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Visit the Citibank India website: Choose the specific IndianOil CITI Card you're interested in.

  2. Click "Apply Now."

  3. Enter your basic information: Name, address, date of birth, contact details.

  4. Provide financial information: Income, employment, PAN number.

  5. Review and submit application: Carefully review all details before submitting.

  6. Document verification: Citibank may request document verification for income and address proof.

  7. Approval and card issuance: You'll receive a notification about your application status within a few days. If approved, your card will be mailed within a week.

Contact Details

1800 267 2425 (India toll free) or +91 22 4955 2425 or +91 44 6698 2136 (local dialing)

Account Opening and Procedure
IndianOil CITI Credit Card

Cardholders of the IndianOil Citi Credit Card have access to numerous services. One such perk is cashback or discounts in the form of reward points that can be used to purchases made in a variety of categories, including groceries, dining, retail, and gas. In addition, there are other user-friendly features available, such as EMI conversions and concierge service. However, this card does not grant free access to airport lounges, unlike other credit cards in the same category. In addition, a minimum quantity of reward points must be redeemed in order to be applied to cashback, airmiles and petrol.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • There is no joining fee for the first year.

  • Late Payment Fee: Rs. 100 per month

  • Minimum Payable Amount: 5% of outstanding balance or Rs. 100, whichever is higher

  • Finance Charge: 3.75% per month (45% p.a.) on outstanding balance. 

  • Foreign Transaction Mark-up fees: 3.5% 

Fuel Surcharge

1% fuel surcharge (plus applicable GST) will be automatically reversed to your account within 7-10 business days of the transaction.

Billing Cycle

30 Days

Fees & Charges
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