IndianOil Citi Platinum Card: Compare Features, Benefits & Apply Online
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IndianOil Citi Platinum Card

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IndianOil Citi Platinum Card Offer - Get 1000 Amazon Pay Gift Card* Limited Offers

INDIANOIL CITI PLATINUM CREDIT CARD

The IndianOil Citi Platinum Credit Card is a tie-up between IndianOil and Citi Bank and is considered one of the best fuel credit cards right now. This card is especially suitable for people who travel frequently. There is no joining fee for this card. More details of this card are given below.

Highlight

  • Up to 71 Litre Free Fuel Annually
  • Annual Fee Waiver on a minimum spend of Rs 30,000
  • Never Expiring Turbo Points
  • Earn 4 Turbo Points for every Rs.150 of fuel purchased*

Best Suited For

  • Fuel
  • Dining.

Features & Benefits of IndianOil Citi Platinum Credit Card

  • Free Fuel: Get up to 71 liters of free fuel every year based on spends.
  • Accelerated Rewards on Fuel Spends: Get 4 Turbo Points per Rs. 150 spent on fuel from authorized IndianOil outlets.
  • Rewards on all Daily Spends: Get 2 Turbo Points per Rs. 150 spent on groceries and supermarkets and 1 Turbo Point on all other spends.
  • No Joining Fee: Get the premium IndianOil Platinum Credit Card benefits without spending your money as there is no joining fee.
  • Quick Reward Point Redemption: 1 Turbo Point equals Re. 1 of free fuel with quick redemption through SMS service.
  • Never-expiring Turbo Points: Redeem your Turbo Points or collect them for as long as you want as the Turbo Points of IndianOil Citi Platinum Credit Card do not expire.
  • Activation Benefit: Earn 250 Turbo Points by using your card within the first 30 days of getting the card.
  • Annual Fee Waiver: Get the annual fee of Rs 1000 (plus taxes) waived off on minimum spend of Rs. 30,000.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at any IndianOil authorized petrol pump using your IndianOil Citi Platinum Credit Card.
  • Contactless Payment: Pay through the easiest and most efficient way using your IndianOil Citi Platinum Contactless Credit Card.
  • Value-added Services: Get a variety of services like Instant Loan, EMI options on shopping bills above Rs. 2500, and Easy payment methods to settle your IndianOil Citi Platinum Credit Card outstanding.
  • Travel & Lifestyle Services: Get a Travel & Lifestyle specialist to create and plan an unforgettable experience by calling at 0008 004 407 027 for Mastercard cardholders and 1800-114-999 for Visa cardholders.

Promotions and Offers for IndianOil Citi Platinum Credit Card

  • Dining Offers*: Use your IndianOil Citi Platinum Credit Card at partner restaurants and get up to 20% off on dining.
  • Latest Travel Offers*: Get 10% instant savings up to Rs 1000 on Domestic Flight bookings and up to Rs 7500 on International Flight bookings.
  • Cashback Offer*: Get 10% cashback on hotel bookings done at Booking.com/citiin with your IndianOIl Citi Platinum Credit Card.
  • Duty-free Offer*: Earn up to 15% cashback on duty-free shopping with your IndianOil Citi Platinum Credit Card.
  • Airport Dining Offer*: Get 15% savings on using your IndianOil Citi Platinum Credit Card at Mumbai and Hyderabad airport restaurants.
  • Latest Lifestyle Offers*: Get all the latest amazing lifestyle offers at the Citibank official site.

Eligibility Criteria for IndianOil Citi Platinum Credit Card

  • The age of the applicant must be between 23 – 60 years.
  • The applicant must be an Indian citizen.
  • The applicant must have a good credit score.
  • The applicant must have a minimum income of Rs 25,000 per month
  • The person to apply for add on cards must be above 18 years of age.
  • The applicant should be able to produce all the required documents.

Required Documents for IndianOil Citi Platinum Credit Card

  • Proof of Identity
  • Proof of Address
  • Latest two salary slip for Salaried Applicant
  • Latest year ITR with audited financials and computation of income for self-employed applicants.

How to apply for IndianOil Citi Platinum Credit Card

Now you can apply for IndianOil Citi Platinum Credit Card with the utmost ease by applying through Investmentcover.com, which is a premium online marketplace for credit cards, loans and other financial products. All that is required is for you to share a few details and you’re good to go.

Investmentcover team will send your credit card application further to Citibank. The bank will first examine the details entered, the required documents, whether the applicant has good credit or not and give the nod only when it is satisfied with the investigation.

Applicants have a greater chance of approval if they have a good credit score. Once your credit card application is approved, you will receive your credit card at the address provided by you.

  1. Click here to start your credit card application process.
  2. Fill the basic requirements like your Name, Occupation, Monthly Income, etc. to check your eligibility.
  3. If you are found to be eligible, you will be redirected to the online credit card application page where you will have to fill the online application form and submit it after uploading the required documents.
  4. You will receive your IndianOil Citi Platinum Credit Card within a few working days after the approval of your credit card application.

Fees & Charges of IndianOil Citi Platinum Credit Card

Fees/Charges

Amount

Joining Fee

Nil

Annual Fee

Rs 1000 (+ taxes)

Over credit limit charge

2.5% of the amount over the credit limit, subject to a minimum of Rs 500

Cash advance fee

2.5% of the transaction amount, subject to a minimum of Rs 500

Returned payment charge

Rs 500 per returned payment

Fuel transaction charge

1% of the transaction amount, subject to a minimum of Rs 10 (waived at authorized Indian Oil Corporation outlets only)

Railway ticket booking surcharge

1.8% of the transaction value

Reissue of lost, stolen or damaged card

Rs 100

Foreign currency transaction

Conversion markup of 3.5%

Interest rate

3.5% per month (42% per annum)

 

Late Payment for IndianOil Citi Platinum Credit Card

Amount (in Rupees)

Late payment fees (in Rupees)

0 – 1000

Nil

1001 – 5000

450

5001 – 10000

700

> 10,000

950

 

Reward Point Benefits on your IndianOil Citi Platinum Credit Card

Now earn various reward points and bonus reward points, known as Turbo Points, at a faster pace with every transaction with your IndianOil Citi Platinum Credit Card. The greater you spend, the more you redeem. The best part is that the Turbo Points do not have an expiration date and so you can keep on collecting your Turbo Points and redeem them whenever you feel like.

These reward points can be redeemed for a variety of options like online shopping, fuel purchase, air miles, gift voucher, in-store shopping etc. You can even redeem your Turbo Points against your credit card outstanding.

You can avail the following reward points on your IndianOil Citi Platinum Credit Card:

  • 4 Turbo Points per Rs. 150 spent on fuel from authorized IndianOil outlets.
  • 2 Turbo Points per Rs. 150 spent on groceries and supermarkets
  • 1 Turbo Point on all other spends.
  • 250 Turbo Points by using your card within the first 30 days of getting the card.
  • 1 Turbo Point = Re. 1 of free fuel.

You can redeem your Turbo Points in the following ways:

  • Instant redemption via SMS for transactions done at authorized IndianOil outlets and select merchant partners.
  • Catalog redemption
  • Miles transfer
  • Cashback etc.

Minimum Turbo Points required for redemption:

Category

1 Turbo Point equals

Minimum Turbo Points required for redemption

Fuel (at authorized Indian Oil outlets)

Re 1

250

In-store shopping at partner stores

Re 0.30

250

Online shopping

Re 0.25 for Travel Sites

Re 0.30 for Other Online Shopping

250

Air Miles (Air India and InterMiles)

0.75 miles

100

Cashback

Re 0.35

10,000

Gift Vouchers

As per catalog

0

 

IndianOIl Citi Platinum Credit Card Rewards

Category

Where to get Turbo Points

How to redeem Turbo Points

Fuel

At over 1200 participating IndianOil outlets.

Instantly via SMS.

Offline Shopping

Instant redemption at select merchant outlets.

To find a store click here.

Instantly via SMS.

Online shopping

You can find all the participating online stores at the ‘Redeem reward points’ page of the official Citibank site.

Instantly via SMS.

Online travel

You can find all the participating online travel partners at the ‘Redeem reward points’ page of the official Citibank site.

Instantly via SMS.

Air miles (added to your existing Frequent Flyer air miles)

On Air India and Jet Airways

Call at the 24x7 customer care number (given below in the customer care section)

Adjust against Card outstanding

At Citibank

Call at the 24x7 customer care number (given below in the customer care section).

Gift Vouchers for popular brands.

From Citibank Rewards catalog

Browse through the Citibank Rewards Catalog, pick what you like and place an order using your points.

 

How to check your IndianOil Citi Platinum Credit Card reward points?

You can check your IndianOil Citi Platinum Credit Card reward points through 2 ways:

  1. By your latest credit card statement.
  2. By sending an SMS: SMS ‘REWARDS XXXX’ (where XXXX stands for the last 4 digits of your card number) from your registered mobile number to 52484 for Airtel, Aircel & Vodafone users or to 919880752484 for other network users.

How to redeem IndianOil Citi Platinum Credit Card reward points?

You can redeem your reward points through a variety of ways like:

  • Instant redemption via SMS.
  • Redemption against gift vouchers.
  • Redemption against Air Miles.
  • Redemption against card outstanding.
  • Redemption via online shopping at select outlets.

Customer care for IndianOil Citi Platinum Credit Card

You can clear all your doubts and queries through Citi Bank customer care service which is available round the clock. You can reach or contact Citi Bank in various ways given below.

Citi Bank Customer Care Number:

  • For India: 1860 210 2484 (Local call charges apply)
  • For outside of India: +91 22 4955 2484

Citi Bank Virtual Query Assistant: You can get answers to your queries via the Citibank Virtual Query Assistant, which is an automated service. To use this, go to the Customer Service page of Citibank and click on the ‘Ask Me’ tab. A pop-up will open where you can type your general product and service-related queries in the ‘Ask’ field.

Write to Citibank: You can write to Citibank through a secured channel and get a personalized response to your query. To do this, go to Citibank Customer Service page, create a User ID if you don’t already have one, login and write about your query to Citibank.

Citibank Credit Card Postal Address:

For Ordinary Post

For Registered Post

Citibank N.A.,
P.O. Box No. 4830,
Anna Salai Post Office,
Chennai - 600 002.

Citibank N.A.,
Mail Room, ACROPOLIS,
9th Floor,
New Door No.148 (Old No.68),
Dr. Radhakrishnan Salai,
Mylapore,
Chennai – 600 004.

IndianOil Citi Platinum Credit Card Online Application Status

To track your IndianOIl Citi Platinum Credit Card online application status, you should have your Application Reference Number (the 11-digit number sent to you via SMS on receipt of your application) ready as this number is required for all your future correspondence with Citibank up and until you receive your credit card.

Please wait for at least 2 days before requesting a status update on your credit card application as it may take that much time for your Application Reference Number to reflect in the system.

To check your IndianOil Citi Platinum Credit Card online application status:

  • Visit the Citibank online official page and click on the ‘Credit Card’ tab in the menu bar.
  • A drop-down menu will appear. From that menu, choose the ‘Track Application Status’ option which will redirect you to a new page.
  • Enter your Application Reference Number and your mobile number which you entered in your application. Click submit.
  • If all goes right and you entered the right details, then you will get one of the following application statuses: Approved, Disapproved, Dispatched, In-progress or On-hold.
  • If you have entered the wrong information, then you may get a ‘No records found’. To avoid this, please ensure that you enter the correct information.

An ‘In-progress’ status may require you to wait for a few more days, an ‘On-hold’ status may require further documentation or information from you and a ‘Disapproved’ status may be because your application does not meet the bank’s eligibility criteria.

IndianOil Citi Platinum Card Credit Limit

The credit limit depends on your income, credit score, and repayment capabilities. Higher the income, credit score, and repayment ability, higher will be the credit limit and vice-versa. But try not to utilize a heavy portion of the limit even if it is higher as it gives the impression that there might be high chances of default and so it may lower your credit score. Your credit limit utilization must not exceed 30%-40%.

IndianOil Citi Platinum Credit Card Bill Payment

You can make a bill payment to your IndianOil Citi Platinum Credit Card through a number of ways:

Step #1: Payment via Citibank Online: You can pay your bill through your Citibank Savings Account by clicking here.

Step #2: Payment via Citi Mobile App: Payment through your Citi Mobile App is the most convenient and easiest form of bill payment there is.

  • Log in to your Citi Mobile App by your User ID and IPIN.
  • Select the home page and go to menu options.
  • Select the Credit card bill payment option.
  • Select the Credit card number for payment, enter the amount and click on ‘Make Payment’.
  • Alternatively, you could also click on your credit card from the account dashboard and click on the ‘Make a payment’ option.

Step #3: Online payment through other bank accounts: Citibank credit card has been added as Utility Biller with other banks including HDFC Bank, ING Vysya Bank, State Bank of India, IndusInd Bank and Yes Bank. You can use this option when you log in to the Online Banking Platform of your Non-Citibank bank account. This might take up to 3 working days (except Saturday & Sunday) to get credited in your account.

Step #4: Payment through NEFT: You can get funds credited to your credit card through the NEFT option even when you pay via a Non-Citibank account. Fund transfer request before 6 pm on weekdays and working Saturdays are credited on the same day while they are credited on the following working day if the request is made after 6 pm on non-working days.

  1. Login to your Non-Citibank account and click on NEFT fund transfer.
  2. Add your Citibank credit card as a payee for fund transfer.
  3. Make the payment towards the card added via NEFT.
  4. Use the following details while doing a payee addition:
  • Payee Name: Name as it appears on your Citibank Credit Card
  • Payee Account Number: Valid Citibank credit card number
  • Bank Name: Citibank N.A.
  • Payment Account Type: Select any account type
  • IFSC Code: CITI0000003 (customers residing in any city can make a payment using CHENNAI IFSC code)
  • Branch Address: CHENNAI (customers residing in any city can make a payment using CHENNAI as branch address)

Step #5: Payment through E-Pay: Through E-Pay, you can pay your credit card bills online even if you do not have a Citibank banking account. This normally takes around 2 working days to get credited (excluding Saturday and Sunday).

  • Click on E-Pay.
  • Enter card number and amount to pay.
  • Choose the bank account to be debited.
  • Login to your account, verify details, and confirm payment.

You can also pay through E-Pay via other bank websites. The banks where Citibank is currently listed as a Biller are HDFC Bank, ING Vysya Bank, State Bank of India, IndusInd Bank and Yes Bank.

Step #6: Payment through Visa Money Transfer (VMT): You can use the option of Visa Money Transfer while paying your credit card bill via a Non-Citibank account. This normally takes up to 5 working days to get credited to your Citibank credit card depending on the processing time of your bank.

Step #7: Payment through Citibank accounts such as Standing Instruction (SI): You can set up a standing instruction to pay either Minimum Amount Due (MAD) or Total Amount Due (TAD) through Citibank Online credit card payment option.

Step #8: Payment through Automated Clearing System (NACH): You can set up a National Automated Clearing System (NACH) facility for your credit card bill payment. Through this, you can pay your Citibank credit card bill automatically from your other bank savings account. This facility can be used for Total Amount Due (TAD), Minimum Amount Due (MAD), or Fixed Amount Due (FAD). It may take 3-5 days for the amount to get credited.

Step #9: Payment through RTGS: Payments initiated via RTGS before cut-off would be credited to the card amount by the end of the same business day. Fund transfer request before 4:30 pm on weekdays and working Saturdays are credited on the same day while fund transfer request after 4:30 pm on non-working days is credited on the following working day.

Step #10: Payment through Cheques: To make your credit card payment through cheque, please make your cheques/drafts payable to ‘Citibank credit card number’ and mention your 16-digit card number. Also, mention your name and contact number on the backside of the cheque/draft. You can drop your cheque/draft into the drop-boxes placed at Citibank ATMs. The turn-around time is 3 working days for payment made by cheques.

Step #11: Payment through a Cash deposit at Branch: You can pay your credit card bill via cash payment by depositing the cash at Citibank branches. A fee of Rs 250 per deposit will be applicable. PAN card verification is compulsory for cash payment greater than Rs 50,000. A third party can also make the cash payment for your credit card at a Citibank branch. The turn-around time is 24 hours for payment made through cash deposits.

 

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