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Welcome bonus: Users will get 250 Turbo Points on joining.
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Indianoil Citi Credit Card
Rewards & Benefits
Welcome Benefits
Welcome bonus: Users will get 250 Turbo Points on joining.
Milestone Benefits
None.
Cashback Rate
1 Turbo Point = Rs. 1.
Users will be awarded 4 Turbo points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country. Cashback rate: 2.67%.
2 Turbo points / Rs. 150 spent on groceries and supermarkets. Cashback rate: 1.33%.
1 Turbo point / Rs. 150 on all other spends. Effective cashback rate: 0.66%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Fuel surcharge waiver: 1% fuel surcharge waiver on all transactions at IndianOil pumps.
Lounge Access
None
Rewards & Benefits
Welcome Benefits
Welcome bonus: Users will get 250 Turbo Points on joining.
Milestone Benefits
None.
Cashback Rate
1 Turbo Point = Rs. 1.
Users will be awarded 4 Turbo points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country. Cashback rate: 2.67%.
2 Turbo points / Rs. 150 spent on groceries and supermarkets. Cashback rate: 1.33%.
1 Turbo point / Rs. 150 on all other spends. Effective cashback rate: 0.66%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Fuel surcharge waiver: 1% fuel surcharge waiver on all transactions at IndianOil pumps.
Lounge Access
None
Fees & Charges
Joining Fee
There is no joining fee for the first year.
Annual Fee
Nil
Cash Advance Fee
5% of outstanding balance or Rs. 100, whichever is higher
Interest rate
3.75% per month (45% p.a.)
Late Payment Fee
Late Payment Fee: Rs. 100 per month
Foreign Currency Transactions Fee
3.50%
Other Fees
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%
Fees & Charges
Joining Fee
There is no joining fee for the first year.
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.75% per month (45% p.a.)
Late Payment Fee
Late Payment Fee: Rs. 100 per month
Foreign Currency Transactions Fee
3.50%
Other Fees
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%
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.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the Citibank India website: Choose the specific IndianOil CITI Card you're interested in.
Click "Apply Now."
Enter your basic information: Name, address, date of birth, contact details.
Provide financial information: Income, employment, PAN number.
Review and submit application: Carefully review all details before submitting.
Document verification: Citibank may request document verification for income and address proof.
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai