
IndianOil CITI Credit Card
उत्पाद विवरण
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
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
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%
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.
फ़ायदे
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).
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
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



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.
IndianOil CITI Credit Card

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