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IndianOil Citi Credit Card – Benefits, Fees & Eligibility

The IndianOil Citi Credit Card was a co-branded fuel card designed for frequent fuel users, offering highly accelerated Turbo Points on IndianOil fuel spends. Cardholders could earn up to 71 liters of free fuel annually, alongside attractive dining discounts and travel savings. It featured a nominal annual fee with an easy waiver condition and flexible redemption options for Turbo Points. This card was ideal for individuals prioritizing fuel savings and everyday spending benefits.
Please note: This offer may be discontinued and is shown for informational purposes only.
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Is the IndianOil Citi Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The IndianOil Citi Credit Card is best suited for users who prioritize Fuel, Dining, Travel. With a joining fee of ₹1,000 + GST and a renewal fee of ₹1,000 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 1 TP for every Rs. 150 spent; up to 4x TP on fuel, 2x TP on groceries..

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Last updated: 1 May 2026

Key Card Details

Joining Fee

₹1,000 + GST

Renewal Fee

₹1,000 + GST

Reward Type

Reward Points

Foreign Currency Markup

3.5% on all foreign currency transactions.

Notable Perks

Spend-Based Waiver

The annual fee can be waived off if you spend Rs. 30,000 or more in the previous year.

Dining Benefits

Get up to a 20% discount on dining bills across several participating restaurants.

Things to Consider

High foreign currency markup of 3.5% makes international spends expensive.

Very high interest rate of 3.75% per month, equivalent to 45% annually.

Limited general reward rate of 1 Turbo Point for every Rs. 150 spent.

Last updated: 1 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn 250 Turbo Points as a welcome gift upon making your first transaction within 30 days.

Rewards Rate

Earn 1 TP for every Rs. 150 spent; up to 4x TP on fuel, 2x TP on groceries.

Reward Type

Reward Points

Reward Redemption

Turbo Points can be redeemed against fuel, online/in-store shopping, cashback, and AirMiles/InterMiles.

Dining Benefits

Get up to a 20% discount on dining bills across several participating restaurants.

Travel Benefits

Exclusive saving offers on flights through MakeMyTrip, EaseMyTrip, and discounts on Vista Rooms.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The IndianOil Citi Credit Card, issued by CitiBank, is a co-branded fuel credit card primarily positioned for individuals who frequently make fuel transactions. It offers a strong reward rate in collaboration with IndianOil, allowing cardholders to earn up to 71 liters of free fuel annually. Key differentiating benefits include accelerated Turbo Points on fuel, groceries, and supermarket spends, a welcome bonus of 250 Turbo Points, and attractive dining discounts.

Welcome Benefits

  • Earn 250 Turbo Points as a welcome gift upon making your first transaction within 30 days of card activation.

Fees

  • Joining Fee: Rs. 1,000 + GST
  • Annual Fee: Rs. 1,000 + GST
  • Spend-Based Waiver: The annual fee can be waived off if you spend Rs. 30,000 or more in the previous year.
  • Rewards Redemption Fee: Nil
  • Foreign Currency Markup: 3.5% on all foreign currency transactions.
  • Interest Rates: 3.75% per month (equivalent to 45% per annum).
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at all IndianOil outlets for transactions above Rs. 10.
  • Cash Advance Charges: 2.5% of the amount withdrawn or a minimum of Rs. 500.

Rewards

  • General Spends: Earn 1 Turbo Point for every Rs. 150 spent on all purchases.
  • Supermarkets & Groceries: Earn 2 Turbo Points for every Rs. 150 spent. For spends greater than Rs. 5,000 in this category, you get 1 extra Turbo Point on every Rs. 150 spent, capped at 34 incremental Turbo Points per transaction.
  • Fuel Purchases: Earn 4 Turbo Points for every Rs. 150 spent on fuel at authorized IndianOil outlets, capped at 267 Turbo Points per transaction.
  • Dining: Get up to a 20% discount on dining bills across several participating restaurants.
  • Travel:
    • Exclusive saving offers on flights through MakeMyTrip.
    • Savings of up to Rs. 1,000 on EaseMyTrip.
    • Up to 15% discount on Vista Rooms.
  • Lifestyle: Up to 15% cashback at duty-free stores.
  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all authorized IndianOil outlets for transactions above Rs. 10.

Rewards Redemption Guide

  • Turbo Points can be redeemed against various categories including fuel, online shopping, in-store shopping at partner brands, cashback, and AirMiles/InterMiles.
  • To redeem Turbo Points, visit the bank's website and click on 'Redeem Reward Points' under Credit cards.
  • Redemption Value of 1 Turbo Point (TP):
    • Fuel at Indian Oil outlets: Re. 1 (minimum 250 Turbo Points required for redemption).
    • Online shopping on travel sites: Re. 0.25
    • Other online shopping: Re. 0.30
    • In-store shopping at partner brands: Re. 0.30
    • AirMile/InterMile: 0.75 InterMile (minimum 100 Turbo Points required for redemption).
    • Cashback: Re. 0.35 (minimum 10,000 Turbo Points required for redemption).
  • No minimum limit of Turbo Points is required for redemption against gift vouchers.

Card Eligibility Criteria

  • Age: Minimum 21 years.
  • Income: Must have a stable source of income.
  • Credit Score: A decent credit score is required.

Documents Required

  • Identity Proof: Driving Licence, Aadhaar Card, Voter ID, or Passport.
  • Address Proof: Voter ID, Driving Licence, Passport, or Aadhaar Card.
  • Income Proof for Salaried Employees: Past two months' salary slip.
  • Income Proof for Self-Employed Individuals: Latest year's ITR with income computation.

Card Review

The IndianOil Citi Credit Card is best suited for individuals who frequently make fuel transactions, as it offers a highly accelerated reward rate on fuel spends. With the potential to earn up to 71 liters of free fuel annually, it provides significant value for regular fuel users. The card also offers a nominal annual fee which can be easily waived off by meeting a reasonable spend threshold. Beyond fuel, the card provides attractive dining discounts and savings on travel bookings, making it a well-rounded option. Its ability to redeem Turbo Points across various categories, including fuel at a 1

ratio, adds to its appeal. Overall, it's a valuable card for those seeking a lower joining fee and exciting benefits across fuel, dining, and travel categories.

Important Product Details

  • Earn 1 Turbo Point for every Rs. 150 spent.
  • Get 2x Turbo Points on spending at groceries and supermarkets.
  • Receive 4x Turbo Points on fuel spends at authorized IndianOil outlets.
  • Welcome bonus of 250 Turbo Points on first transaction within 30 days.
  • Turbo Points are redeemable against fuel, cashback, shopping, and AirMiles/InterMiles.
  • Enjoy up to 20% dining discounts at participating restaurants.
  • Benefit from a 1% fuel surcharge waiver at IndianOil outlets for transactions above Rs. 10.
  • Annual fee waiver available on spending Rs. 30,000 or more in the previous year.
  • High foreign currency markup of 3.5%.
  • High interest rate of 3.75% per month (45% annually).

Other Details

  • This card has now been migrated to the IndianOil Axis Bank Premium Credit Card.
  • Citibank provides 24x7 customer support.
  • Emergency helpline (for lost cards, ATM issues, unauthorized transactions): 1800 267 2425 (toll-free in India) or +91 22 4955 2425 (local dialing), always operational.
  • For other queries, contact 1860 210 2484 (available from 7 AM - 9 PM, Monday to Saturday).

Frequently Asked Questions

Clear, concise answers to help you understand this card better.