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IndianOil Citi Bank Credit Card

(

3.7

)

Beginner

Best For: Fuel

From

Citi Bank Cashback Credit Card

Approval Rate:

Elementor Single Post #221

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AU Bank Zenith+ Credit Card

The IndianOil Citi Credit Card is tailored for individuals who frequently purchase fuel, offering substantial rewards on fuel transactions at authorized IndianOil outlets. Cardholders earn 4 Turbo Points for every ₹150 spent on fuel, enhancing savings for regular commuters. Additionally, the card provides 2 Turbo Points per ₹150 spent at grocery stores and supermarkets, and 1 Turbo Point per ₹150 on other purchases. A notable feature is the waiver of the fuel surcharge at IndianOil outlets, further increasing savings on fuel expenses. The unique selling proposition of this credit card lies in its focused rewards structure, making it an ideal choice for those aiming to maximize benefits on fuel and everyday expenditures.

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Fuel

Reward %

1.3 - 2.6 %

Joining Fees

₹

1000

Renewal Fees

1000

APR

45%

Welcome Benefit

IndianOil Citi Credit Card provides a variety of services to cardholders. One such benefit is savings/cashback in the form of reward points across spending on several categories like fuel, groceries, shopping, and dining. Other than this, some user-friendly benefits like Concierge service and EMI Conversions are also offered. But whereas other credit cards in a similar category offer free access to airport lounges, this card fails to provide so. Moreover, there is a mandatory minimum requirement of reward points to be redeemed against fuel, cashback, and Airmiles.

Renewal Benefits

USP's:

  • The card offers a 1% Fuel Surcharge Reversal.
  • Rewards points never expire and are valid lifetime.
  • It comes with 24/7 concierge service.
  • It allows users to convert big spends into EMI.
  • No fee levied on reward points redemption.

Fees & Charges

Joining & Renewal Fees

1000,1000

Interest & Charges

N/A

Additional Charges

Cash Withdrawal Fee 2.50%
Fuel Transaction Surcharge 1%
Balance below ₹2000 = ₹ 0
Balance from ₹2000 to ₹7500 = ₹ 600
Balance from ₹7500 to ₹15000 = ₹ 950
Balance more than ₹15000 = ₹ 1300

Rewards

Regular Rewards

Accelerated Rewards

Accelerated Rewards

Milestone Benefits

N/A

Additional Features

travel-3d

Lounge Benefits

  • International : No
  • Domestic : No
cashback-3d

Insurance Benefits

  • N/A
3902003

Other Perks

  • N/A

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

700+

Ex Min

Income

(

Salaried

)

₹

25000

Income

(

Self Employed

)

₹

300000 ITR

Other: Card-to-card eligibility requirements.

Pros

4 Turbo Points per ₹150 spent on fuel at authorized IndianOil outlets.
1% fuel surcharge waiver on fuel purchases at IndianOil outlets.
2 Turbo Points per ₹150 spent at grocery stores and supermarkets.
Welcome bonus of 250 Turbo Points upon first spend within 30 days of card issuance.

Cons

Monthly cap of ₹5,000 on grocery and supermarket spends eligible for accelerated rewards.
Minimum of 250 Turbo Points required for redemption against fuel.
No complimentary airport lounge access.
Foreign currency markup fee of 3.5%.

Terms and Conditions *

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IndianOil Citi Bank Credit Card

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★★★★★
(3.7)
Best For: Fuel Bank: CITI Bank Ltd Network: Multiple Network
View Details Apply Now
Category of Card Reward % Joining Fees Welcome Benefits Renewal Fees Renewal Benefits Best For USP's
Fuel 1.3 - 2.6 % ₹1000

IndianOil Citi Credit Card provides a variety of services to cardholders. One such benefit is ...

 ₹1000 - Fuel
  • The card offers a 1% Fuel Surcharge Reversal.
  • R...