IndianOil Citibank® Titanium Credit Card
Earn Turbo Points on all your purchases. Earn more when you use your Card at authorized IndianOil Outlets for fuel purchases:
- 4 Turbo Points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country.
- 2 Turbo Points on Rs.150 at grocery and supermarkets.
- 1 Turbo Point on Rs.150 spent elsewhere like Shopping, Dining and more.
Flexible Rewards Redemption Program - Do more with your points
- Redeem your Turbo points for free fuel at authorized IndianOil Retail Outlets across the country. 1 Turbo Point given you Rs.1 of free fuel
- Redeem instantly at more than 700 merchant outlets for your next purchases.
- Redeem for gift vouchers across major brands.
Please read the 'Benefits' section for details on the above benefits.
Annual fee waived if you spend at least Rs.30,000 p.a. on your card else a fee of Rs.1,000 will be applicable at the end of the membership year.
Save over 5% on your fuel bills at IndianOil Outlets
- Earn 4 Turbo Points for every Rs.150 (2.67%) of fuel purchased
- Full waiver of the fuel surcharge (2.5%) on fuel purchases
1 Turbo Point equals Rs.1 worth of fuel.
Your card must be swiped on Citibank EDCs only to avail the above benefits. The Turbo Points that accrue in this category would be capped to purchase amount of Rs.10,000(or 267 Turbo Points) per transaction. On transactions exceeding Rs.10,000, customers would not earn any points.
3 easy ways to locate an IndianOil Outlet near
- Click here for a list of IOC outlets across India.
- SMS IOC <pin code> to 52484 or +91 98807 52484.
- Visit the REWARDS page and use our IndianOil Outlet Locator.
Earn free fuel on ALL your daily expenses
Get 2 Turbo Points on every Rs.150 spent at groceries and supermarkets. Click here for a list of applicable stores. This is capped to spends up to Rs.5,000 (or 67 points) per month.
Get up to 71 litres of fuel for free per year!
Here's how the IndianOil Citibank Titanium Card works everyday to earn you free fuel.
|Spend Category||Turbo Points earned per Rs.150||Quarterly Spends
(an estimated low average)
|Turbo Points earned||Savings of 2.5% on fuel surcharge|
|Groceries and Supermarkets#||2X||Rs.12,000||160||N/A|
|Department Stores, Online Stores, and other partner merchants#||4X||Rs.15,000||400||N/A|
|Quarterly total (a)||N/A||Rs.66,000||1,120||Rs.375|
|Yearly total [4x(a)]||N/A||Rs.2,64,000||4,480||Rs.1,500|
|Yearly Free Fuel earnings
(4,480 Turbo Points/price of 1ltr petrol)
|Yearly Cash savings||Rs.1,500|
Click here for detailed Terms and conditions on the above benefits.
*On Citibank EDCs only. Calculated with Rs.63.31 as the price of petrol (in Chennai) as effective on March 12, 2015.
#At participating outlets. To find a participating outlet near you, visit the REWARDS page.
The Value Chart is for indicative purposes only. Fractions have been rounded off to the nearest number.
Flexible Rewards Redemption Program - Do more with your points
Convert your Turbo Points to free fuel or redeem them easily in-store or online for exclusive products in lifestyle, leisure, and travel. For a preview of your rewards, please click on the links below.
No Annual Fee
The annual fee on the card is Rs.0 when you spend Rs.30,000 or more on your Card in a membership year. Cardmembers with annual spends of less than Rs.30,000 on their Cards are charged an Annual Fee of Rs.1,000. Click here for Terms and conditions.
Your Turbo Points never expire
Redeem them now or collect them for something big later - it's a choice available to you with your Turbo Points that never expire.
Check Your Turbo Points balance anytime you want
Whether at the counter of a department store or at authorized IndianOil outlet to buy fuel, if you wish to redeem your points against your purchases, and need to know your Turbo Points rack your Reward Points anytime with just a SMS. Send 'REWARDS XXXX' to 52484 or +91-9880752484. 'XXXX' would be the last four digits of your Card.
|Interest Rate||3.25% per month (39% per annum). This can change periodically based on your spend, payback and utilization patterns.|
|Credit Limit||Will be communicated at the time of issue.|
|Cash Advance Limit||Will be communicated at the time of issue.|
|Cash Advance Fee||2.5% of the withdrawn amount at ATMs in India (subject to a minimum of Rs.500), and US$7.5 at international ATMs.|
|Annual Fee||Rs.0 when you spend Rs.30,000 or more on your Card in a year. Cardmembers with annual spends of less than Rs.30,000 on their Cards are charged an Annual Fee of Rs.1000.|
|Emergency Card Replacement||Yes|
To learn about other important Fees and Charges applicable on the Card, please click here.
To learn about the important fees, charges and the most important terms & conditions (MITC) applicable on the Card, please click here.
Manage Your Account
|Value-added Services on Card||
Instant Loan. To know more, click here.
EMI option on shopping bills above Rs.2,500.
Easy payment options to settle Citibank Credit Card outstanding. To know more, click here.
|Service Access on the go|
|CitiAlerts||Track your account activity with free SMS and E-mail alerts.|
SMS to 52484 as per the format given below for the service you require:
For subscribers OTHER THAN Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.
Online e-Statements or by mail. To know the many benefits of online e-Statements, click here.
|Utility Bill Payment Facility||Secure online utility bill payment service with over 150 listed service providers across India. To know more, click here.|
|24x7 Customer Support||For assistance with your Credit Card Account, call our CitiPhone Officers. Anytime. Any day. From any where. For our location specific numbers, please click here.|
How to collect Turbo Points
|4X Turbo Points + 2.5% fuel surcharge waiver||Ensure your Card is swiped on a Citibank EDC machine at the outlet.||
At IndianOil Outlets. Click here to locate the IndianOil outlet.
If your bill amount exceeds Rs.10,000 in a single transaction, you will receive 4X Turbo Points for every Rs.150 up to Rs.10,000.
|4X Bonus Turbo Points on other spends||
At Citibank 4X partner merchant outlets, for shopping in-store and online.
2X Turbo Points on daily-need groceries
You earn 2X Turbo Points on spends upto 5,000 (or accrual of 67 Turbo Points) per month. Beyond that you earn 1 Turbo Point per Rs.150.
|Spend at merchants identified as grocery by Visa/MasterCard.||
At popular grocery stores, supermarkets, and hypermarkets.
To find a 2X Turbo Point store near you from the list, click here.
|Unlimited 1 Turbo Point for every Rs.150 spent||
At all other stores, on all other purchases.
Your Points. Your Choice.
Important update on Instant Redemption Point Conversion Rate w.e.f 20th January 2015.
Click here to know more.
Choose from a range of redeeming options including fuel, holidays, air miles, cash back and premium merchandise from international brands.
Rewards! Redeem for one or all.
|Your options||Where do you get it||How do you get it||Transactional value of 1 Turbo Point||Minimum points needed to redeem|
At over 1100 participating IndianOil outlets.
To locate a IndianOil outlet near you, SMS IOC <PIN CODE> to 52484 from an Airtel / Aircel / Idea / Vodafone mobile phone. Other mobile service subscribers can SMS to +91-9880752484.
|Over the counter, instant redemption.||Rs.1.00||250|
Instant redemption at select merchant outlets.
To find a store click here.
|Over the counter, instant redemption.||INR 0.30||250|
|Online shopping||To find all the online participating stores, click here.||Instant redemption at check out.||INR 0.30||250|
To find the online travel partners, click here
|Instant redemption at check out.||INR 0.25||250|
|Air miles (added to your existing Frequent Flyer air miles)||On Air India and Jet Airways||Call our 24x7 CitiPhone for assistance. Find our numbers here.||0.75 miles||100|
|Adjust against Card outstanding||At Citibank||Call our 24x7 CitiPhone for assistance. Find our numbers here.||Rs.0.35||5,000|
|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.||Not applicable.||No minimum requirement.|
Personal Concierge Services
Call your concierge for help with planning a party, sending flowers, making dining reservations, for travel assistance and much more. Simply call 1800-114-999 or 011-41898875.
Benefits all year long
Up to 20% savings across 2000 restaurants with Citibank credit and debit cards.
To find a Citibank partner restaurant near you, click here.
|Enjoy savings and offers at hundreds of stores in your City. To find one near you, click here.|
|Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers.|