Citi Bank Indian Oil Credit Card

Citibank IndianOil Credit Card

The Citibank IndianOil Credit Card is a fuel credit card that enables you to save more on fuel at all IndianOil outlets across the country. You get 2.5% fuel surcharge across all IndianOil fuel stations. Want more? You even get dining and shopping privileges. Here are a few details about the popular Credit Card and its benefits.

How to Apply for Citibank Credit Cards

You can apply online for Citibank Credit Cards by visiting the Finserv MARKETS website and following the steps given below:

  • Visit Finserv MARKETS

    Visit our website

  • Fill in your details

    Help us with a few of your details

  • Check out the list of multiple Citibank Credit Cards

    Compare between the multiple options available

  • Make a choice

    Select the Citibank Credit Card

  • Submit your form

    And you're all set!

Key Highlights of the Citibank IndianOil Credit Card

The Citibank IndianOil Credit Card offers amazing cashbacks to help you save big. Here are the key highlights:

  1. Instant Redemption – You can redeem your reward points instantly via SMS against all your purchases.
  2. Instant Loans – Avail Instant Loans on your Citi Cash Card.
  3. Global Partner – Get exclusive deals & discounts across 90 countries worldwide.

Why choose Finserv MARKETS for Citibank IndianOil Credit Card?

Rewards & Discounts

Get some of the best rewards on Citibank Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favourite brands.

One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

Stringent Security Measures

With cyber-crime a reality, your Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

Convert Purchases into EMIs

Purchases through any of the Citibank Credit Cards available at Finserv MARKETS can be converted into EMIs easily. Apply for a Citibank credit card online today.

Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashbacks and much more!

Documents Required

Documents Required for Salaried Employees
  • Proof of Identity
  • Proof of Address
  • Latest two salary slips
  • Id and Address proof documents (Valid Passport issued by Govt. of India, Driving License, Proof of possession of Aadhaar number (Aadhaar Card/ E-aadhaar), Voter's ID Card, Job Card issued by NREGA duly signed by an officer of the State Government).
Documents Required for Self-Employed Individuals
  • Proof of Identity
  • Proof of Address
  • Latest year ITR with audited financials and computation of income
  • Id and Address proof documents (Valid Passport issued by Govt. of India, Driving License, Proof of possession of Aadhaar number (Aadhaar Card/ E-aadhaar), Voter's ID Card, Job Card issued by NREGA duly signed by an officer of the State Government).

Features & Benefits

  • Get 4 Turbo Points on Rs. 150 spent on fuel at authorized Indian Oil outlets (1 Turbo Point = Re 1 Free Fuel).

  • Avail complete waiver of 1% fuel surcharge at authorized Indian Oil outlets.

  • Get 2 Turbo Points on Rs.150 at grocery stores and supermarkets.

  • Enjoy Zero Annual Fee on spend of Rs.30000 or more in a membership year, else Rs.1000 will be charged as Annual Fee.

  • Enjoy safe contactless payments from your Citi IndianOil Credit Card

Reward Points on IndianOil Citi Credit Card

Spend Category

Turbo Points earned per Rs.150

Quarterly Spends

Turbo Points earned

Savings of 1% on fuel surcharge (Rs.)1

(estimated
average)

(1 Turbo pt =
Re.1)

Fuel

4X

Rs.18,000

480

Rs.180

Groceries and
Supermarkets

2X

Rs.15,000

200

N/A

All other
spends

1X

Rs.52,000

347

N/A

Quarterly total
(a)

N/A

Rs.85,000

1,027

Rs.180

Yearly earnings [4x(a)]

N/A

Rs.3,40,000

4,107

Rs.720

Total earnings

 

 

Rs.4827

Yearly Free
Fuel earnings
(Total earnings
/price of 1ltr
petrol)

 

 

~ 71 Litres4

Earn 4 Turbo Points for every Rs. 150 spent and reversal of fuel surcharge (1%) on fuel purchases at authorized IndianOil outlets. No points earned for transactions more than Rs. 10,000 for fuel transactions in this category.

Earn 2 Turbo points for every Rs. 150 spent on groceries and supermarkets. Accelerated earns in this category are capped to Rs 5000 (67 points) monthly statement spends, post which 1x points are earned on spends.

Earn 1 Turbo point for every Rs. 150 spent on other spends, eligible under this category.
Get 250 Turbo Points on your first spend within 30 days of card issuance

Calculated with Rs. 67.84 as the average price of petrol in New Delhi for the calendar year 2017.

Your Turbo Points can be redeemed against fuel purchases at authorized IndianOil outlets at any bank’s EDC. 1 Turbo Point = Rs. 1 of free fuel for redemption

The Value Chart is for indicative purposes only. Fractions have been rounded off to the nearest number.

 

Fees & Charges for Citi IndianOil Credit Card 

Particulars

Amount

Annual Fee

Rs. 1,000

Cheque/ECS/ACH bounce charge

Rs. 500 per returned instrument

Extended Credit Charges

3.25% p.m. /39% p.a.

Outstation Cheque Charge (based on the value of the cheque)

Up to Rs. 10,000 – Rs. 50 per cheque

Rs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque

Above Rs. 1,00,001 – Rs. 150 per cheque

Reissue of lost, stolen or damaged card

Rs. 100

Cash Advance Charges

2.5% on the billed amount withdrawn*, subject to a minimum of Rs. 500

Railway ticket booking surcharge

1.8% of the transaction value

Fuel transaction charge

1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals)

Overlimit Charges

2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs. 500

Late Payment Fee

NIL for statement balance up to Rs.1,000

Rs.450 for statement balance above Rs.1,000 and up to Rs.5,000

Rs.700 for statement balance above Rs.5,000 and up to Rs.10,000

Rs.950 for statement balance above Rs.10,000

How to Pay Bills using Citibank IndianOil Credit Card? 

From your Citibank account

Citibank Online (Standing Instruction)

With Citibank Online Credit Card payment option, you can easily set up a standing instruction to pay either minimum amount due or total amount due.

Citi Mobile

Citi Mobile is the easiest method to pay Citibank Credit Card from your Citibank Account. It’s extremely simple to pay using your mobile. All you need to do is visit m.citibank.co.in to pay your Credit Card bill using your mobile.

From your other Bank account

IMPS and NEFT (new)

With IMPS option, credit card bill payments can be easily made 24X7 (including holidays) from any of your bank accounts.

RTGS

Payments initiated by customers through RTGS prior to cut-off would be credited to the card account on the same day. Funds transfer request before 04:30 P.M on weekdays and working Saturdays are credited on the same day. Funds transfer request post 04:30 P.M on non-working days are credited on the following working day.

E-PAY

Citibank's E-Pay method allows you to pay your Credit Card bills online even if you don't have a Citibank banking account. This will usually take 2 working days (excluding Saturdays & Sundays).

ACH/ECS

Your funds are transferred from your account with other bank through a facility called the ACH (Automated Clearing House, earlier referred as ECS). You’re required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with other bank.

Visa Money Transfer(VMT)

When you pay your Citibank Credit Card bill from a non-Citibank account, you can use Visa Money Transfer (VMT) option. Depending on the processing timelines of your bank, this will take up to 5 working days to get credited to your Citibank Credit Card.

Card payment from other bank website

Citibank Credit Card has been added as Utility Biller with other banks. This option allows you to pay when you login to Online Banking platform of your non-Citibank Bank account. This will normally take up to 3 working days (excluding Saturdays & Sundays) to get credited into your account.

Customer Care number for the Citibank IndianOil Credit Card

You can call on Citibank Customer Care team helpline number 1860 210 2484 for any queries.

How do you Log into your Citibank Credit Card? 

In case you have not registered for Citibank Credit Card Netbanking facility. Click here

Follow the steps mentioned below for Citibank credit card login.

  • Go to the Citibank login page

  • Enter User Id and Internet Password (IPIN)

  • In case you don’t have a User Id and Internet Password, click on “First Time User”

  • Click on “Login” to view your Citibank credit card account

How to stay safe online?

Below are a few tips and simple practical measures to stay safe online.

  • Do not select the option "autosave" on your browsers for storing your user name and password when you login to Citibank Online

  • Make sure your computer has the latest version of the anti-virus software. Download the updates of this software on a regular basis to protect your computer against new viruses

  • Get your computer updated with the latest versions of the browsers and operating system

  • Install a personal firewall and the latest anti-virus software on your computer. This will prevent unauthorized access to your system, particularly when they are linked through broadband connections, digital subscriber lines or cable modems. Update the anti-virus and firewall products with the latest versions on a regular basis

  • If you are using a shared computer, you should clear your browser's cache and history after each session so that your account information is removed

  • If you are using a Windows OS, ensure that File & Print sharing is disabled when you are online

  • Use an Internet browser that supports 128-bit encryption

  • Disable AutoComplete on your browser to prevent the browser from storing the password

About Citi Credit Cards

Citi Bank Credit Cards at Finserv MARKETS

More about Credit Cards

Manage all your Credit Card queries here

  • ✔️Which is the best Credit Card in Citibank?

    All Credit Cards offered by Citibank are best for their respective set of customers. A Citibank IndianOil Credit Card is an ideal card for someone who travels via road whereas the Citi Premier Miles Card is more suitable for someone who travels via flight.

  • ✔️How can I get a Citi Bank Credit Card?

    You can apply for a Citibank Credit Card on Finserv MARKETS website & get your credit card in a few simple steps.

  • ✔️Can I apply for a Citi Bank Credit Card Online?

    Yes, you can easily apply for the Citibank Credit Card online in a few simple steps.

  • ✔️Can a Citibank credit card be used within India and overseas?

    As per RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, all Citi Cards (both debit and credit) issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. The cards will be disabled for International and Online transactions.

    In addition, if customers have not used their existing card for international, online or ecommerce transactions in the last 3 years (including cards issued or new accounts opened during this period), usage for these purposes will be mandatorily disabled.

    Customers can enable/disable their card for International and Online transactions on Citibank online or on the Citi Mobile app. They can also set the domestic daily limit for ATM, POS and Online transactions.

  • ✔️What is the annual fees of Indian Oil Citi Bank Credit Card?

    There is an annual fees of Rs. 1000 for the Citi IndianOil Credit Card which get waived off on spend of Rs.30,000 or more in a membership year.