Citi IndianOil Platinum Credit Card Review | Fuel Credit Card Review

As fuel prices skyrocket today, wouldn’t it be wonderful if you had a credit card you could use to qualify for benefits when purchasing fuel? In that case, you might want to consider the citibank indian oil platinum credit card, which is a co-branded credit card that Citibank has launched with Indian Oil. It is probably the only credit card in India that provides free fuel every year. In addition to the fuel benefits, it offers exclusive dining and duty-free shopping deals. This card is powered by Visa and its annual fee is Rs. 10,000. Learn more about the citibank indian oil credit card benefits from the information below. 

What are the citibank indian oil platinum fuel credit card eligibility criteria?

  • Resident Type: Indian. 
  • citibank credit card eligibility criteria for salaried person:
    • Age: 23 to 60 yrs. 
    • Income: Rs. 25,000 monthly. (Min)
  • city bank credit card eligibility criteria for self-employed person:
    • Age: 23 to 60 yrs. 
    • Income: Rs. 25,000 monthly. (Min)
  • A good CIBIL score (750 or more) is needed to apply for this citi indianoil credit card.

You can apply for a citi credit card from the citibank credit card online application portal, once your application is submitted successfully, you can track your citi credit card application status from the application tracking page

What documents are required to apply for the citibank indianoil credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Membership number of Shoppers Stop Loyalty Programme. 
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Last year’s audited financial report.

 As per the new credit card rules, all new citibank credit cards are delivered in an inactive state, to activate them the users need to generate a new four-digit PIN. You can find more about the citibank credit card activation process from the 100xGain faq page. 

What are the indian oil citibank credit card fees?

  • Citibank indian oil card joining fee: Citibank will let you know during the application process. 
  • Citibank indianoil card annual fee: The Same will be communicated at the time of application.

What are the IndianOil citibank platinum credit card benefits?

  • Attractive welcome bonus to make a wonderful start for you:

With the issuance of the indianoil citi credit card, Citibank will welcome you with 250 turbo points as a welcome gift, you will get the citi turbo points within the first 30 days of your citi indian oil card activation. 

  • Get rewarded for every transaction you make:

With your indian oil citi bank credit card, you earn reward points from your daily expenses. 

Category of transaction

Rate of earning citi bank rewards

Shopping(at supermarkets and groceries). 2 citibank turbo points for each Rs.150 transaction.
For all other transactions made using this citi platinum credit card. 1 turbo point for each Rs.150 transaction.

You can redeem your earned citi credit card reward points against fuel, 1 turbo point is equal to Rs. 1 of petrol, or any fuel. You can redeem your points with just an SMS, this citibank credit card offer is applicable at some selected Indian oil fuel stations. You can also use your points to get a product from the citibank indianoil credit card reward points redemption catalog.

  • A multilingual concierge service to assist you:

With this citibank indianoil credit card, you will get an always active and helpful concierge service, you can get help on travel or hotel booking, reservation of dining, gift delivery service, and lots more.

  • Enjoy a premium dining experience with exclusive discounts on dining expenses:

With your citibank indian oil credit card, you will get up to a 20% discount on your dining bills. This citi credit card offer is applicable at most of the frontline restaurants in India, including – Arena Café, Barrish, Beer Republic, etc.

  • Earn extra benefits from fuel purchases:

This citibank indianoil card is specially designed to give you more benefits on fuel purchases, you will get 4 citibank rewards points on every Rs. 150 spent on fuel. 

  • Enjoy freedom from fuel surcharges:

With this indianoil citibank credit card you will get a 1% discount on fuel surcharges, this offer is applicable at most of the indian oil citibank outlets in India.

  • Get free fuel every year:

With regular use of your citibank visa platinum credit card, you can get up to 71 liters of free fuel annually. You can redeem your earned citibank reward points against fuel to get free fuel, 1 citibank turbo reward point = Rs. 1 worth of free fuel. 

  • Feel more secure with the advanced EMV chip:

This indian oil citibank card comes with a built-in EMV chip, it is specially designed for convenience and security, and it makes your transaction more secure than before. But fraudulent transactions can happen to anyone, and if you notice something suspicious with your citibank platinum credit card account, then make sure to report it immediately by calling the citibank indian oil platinum fuel credit card customer care department.

  • Convenient citi bank credit card bill payment options to make your life easier:

CitiBank offers several convenient bill payment options for its customers. You can pay citibank credit card bill online from your citibank credit card online banking account. You can also use any credit card bill payment app like Cred, Google Pay, Paytm, Phone Pe, etc.

  • Transact more conveniently with the contactless payment option:

This indianoil citibank platinum card comes with the advanced contactless payment option, that allows you to make payments just by placing your card over any POS machine that accepts contactless payments. You can control the contactless citi bank credit card payment option from your net banking account.

What are the citibank credit card charges?

Particulars 

Payable amount

Citi bank indian oil credit card cash withdrawal charge. 2.5% against the withdrawal amount (applicable once per withdrawal, also check your available citibank credit card limit before making a withdrawal).
Citi indian oil card finance charge. The citi credit card interest rate can go up to 3.25% monthly (applicable if the citibank indian oil platinum fuel credit card payment is not made within the due date).
Citibank foreign transaction fee. 3.5% against the transacted amount (applicable once per transaction).
Citi indian oil credit card add-on card fee. None.

How to contact the citibank visa platinum credit card customer care department?

  • Call the citibank credit card toll free number: 1860-210-2484 or 022-4955-2484
  • Write to the citi credit card customer care email id: customercare@citi.com 

100xGain Rating:

7/10

Pros and cons of indianoil citibank platinum credit card:

Pros

Cons 

  • This citibank indianoil credit card comes with a very useful reward program
  • You can redeem citibank turbo points to purchase fuel
  • This citi credit card offers attractive discounts on shopping and dining expenses.
  • Fuel-related benefits are only available at Indian Oil fuel stations.
  • You will not get any movie or entertainment benefits from this citibank fuel card.

Final Opinion:

This IndianOil citibank platinum card is a co-branded fuel credit card that offers several benefits, like a reward program, discount on fuel surcharge, free fuel, etc. but the only negative point of the indian oil citi card is that the benefits are available only at Indian oil fuel stations, except that it is a good fuel credit card and can earn you big benefits annually. 

But if you want a better option then should visit our top 10 fuel credit card page. You can also compare the alternative card options given below. 

Alternative cards of the citibank indian oil card: 

  1. Indian oil axis bank credit card (Best for fuel and dining benefits)
  2. IDBI Bank Euphoria World Credit Card (Best for offering fuel surcharge waiver)
  3. Kotak fortune gold credit card (Best for offering fuel surcharge waiver)
  4. YES Prosperity Rewards Credit Card (Best for offering reward points)

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