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IndianOil CITI Credit Card

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Rewards & Benefits

Welcome Benefits

Customers can earn 250 Turbo Points on joining.

Milestone Benefits

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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

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Dining Benefits

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Other Benefits

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

Lounge Access

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Fees & Charges

Joining Fee

There is no joining fee for the first year.

Annual Fee

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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%

दोष

  • 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.

  • Welcome bonus: Users will get 250 Turbo Points on joining.

  • Reward benefit: 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%

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

पक्ष विपक्ष
Welcome Benefits

Customers can earn 250 Turbo Points on joining.

पुरस्कार प्रणाली
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Up to: 3.5% 

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  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.

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome bonus: Users will get 250 Turbo Points on joining.

  • Reward benefit: 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%

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

  • 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.

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

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • 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% 

ईंधन अधिशुक्ल

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

फीस एवं प्रभार
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