IndianOil Citi Credit Card Review

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.

Overview

Note: Annual fee is reversed on spending ₹30,000 in a year.

Who should get the IndianOil Citi Credit Card?

IndianOil Citi Credit Card is best suited for individuals who travel regularly and wish to earn rewards for their travel and everyday expenses. The card offers some noteworthy travel benefits, such as assistance with travel plans and itineraries. This card is an ideal choice for people who spend significantly in these categories.

In general, IndianOil Citi Credit Card charges a low annual fee and offers exceptional perks; if you're looking for such benefits, this card can be ideal for you.

Reward Points

Reward points earned on the transactions made with the IndianOil Citi Credit Card are referred to as Turbo points. And these turbo points can be earned on every transaction made through this card, as categorized below:

Note: Points accumulated against Indian Oil outlets are capped at ₹10,000 per transaction

How to apply for IndianOil Citi Credit Card?

The IndianOil Citi Credit Card application is available online as well as offline. To apply offline, simply visit the nearest branch with all the required documents and fill in the physical application form.  And for an online method, follow the steps as mentioned below:

Step 1: Visit the CitiBank Website and click on “Credit Card” and then 'Indian Oil Card'.

Step 2: If you are an existing Citi Bank customer, log in to your account and fill out the credit card application form. If you are not a Citi Bank customer, click "No" when prompted and follow the instructions to fill out the application form on the Axis Bank website.

Step 3: Submit the application form.

Step 4: Your application will be processed by Citi Bank or Axis Bank, depending on your status as an existing customer or not.

Note: Please ensure that you provide accurate and complete information in the application form to increase your chances of approval.

IndianOil Citi Credit Card Eligibility 

• Age: Minimum 18 years
• Occupation: Salaried or Self Employed
• Income: ₹25000 per month or above
• Credit Score: A credit score of 700 or above is required

Documents Required

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.