Fuel Credit Cards - Cash Babu

“Fuel Credit Cards: Save More on Every Fill-Up

Fuel credit cards are specially designed to help you maximize savings on your fuel expenses. These cards offer unique perks, rewards, and discounts tailored specifically for purchases at gas stations and fuel retailers. By using a fuel credit card, you can earn cashback, points, or discounts on every gallon of gas you purchase, allowing you to stretch your budget further.

These cards often come with additional benefits such as rewards on other everyday purchases, roadside assistance, travel perks, and more. Whether you commute daily, enjoy road trips, or simply want to manage your fuel expenses more efficiently, a fuel credit card can be a valuable tool to help you save money while filling up your tank.

Explore our selection of fuel credit cards to find the one that best suits your lifestyle and helps you make the most out of every visit to the pump.”

Best Benefits of HDFC Indian Oil Credit Card in 2024

Here is another credit card that is none other than HDFC Indian Oil Credit Card. This card offers major benefits in the fuel category. If you are a bike owner or car owner, this card brings flexible benefits to your transactions specifically with Indian Oil Corporation Outlets.

There was a time when I used to transact with cash in our nearest Indian Oil petrol pump. Now is the time when I do my own transactions with either HDFC Indian Oil Credit Card or by Extra Rewards Points.

You can also avail up to 50 free liters of fuel annually if you know the smart tactics to use this credit card.

Now you may ask the question to yourself that you have heard about Reward Points, But what is this Extra Reward point all about?

Let me tell you. Extra reward points program is all about getting benefits from multiple sources in the form of Extra reward points and redeeming those points here in Extra Reward program by Indian Oil Corporation Limited.

So let us discuss What are the main features and benefits of having HDFC Indian Oil Credit Card inside your pocket.

Key Highlights of the HDFC Indian Oil Credit Card

The HDFC Indian Oil Credit Card is sul=itable for frequent onroad travellers. Here is the key details of this card. This provides main benefits in terms of fuel and other online and offline transactions.

Suitability : For fuel transactions
Joining Fees : Rs. 500/-
Key Benefit : Get 5% back on fuel transactions on any Indian Oil Outlets as “fuel points”

Indian Oil Credit Card HDFC Features and Benefits

Redeemable points: You can get 5% of your fuel expenses
Popular Benefit: For groceries and bill payments you can earn up to 100 points per every month
Fuel Cost Waiver: If you spend 400 or more your 1% fuel surcharge can be waived off
Redeemable Fuel Points: You can redeem your fuel points as catalogue purchases or as rebates or you can also redeem your fuel points as cash back.

HDFC IndianOil Credit Card Charges and Fees

Joining Fee: 500 INR
Renewal Fee: 500 INR
Interest Fee: 3.60% per month

In case of annual fees, if you spend 50000 in the entire previous year your annual fees will be waived off.

IndianOil HDFC Bank Credit Card Eligibility

Salaried: You have to be 21-60 years of age range and salary should be minimum 10K per month.
Self Employed: You have to be in the age range of 21-65 years old and earning per year should be in 6 lakhs range.

Documents Required to Apply for the IndianOil HDFC Bank Credit Card

Address proof: Ration card/voter card/passport/aadhaar card
ID Proof: Passport/Driving License/Aadhaar card
Income Proof: Salary Slip/IT return/Form 16

HDFC Indian Oil Credit Card Apply Process

Online Process: You can apply from HDFC Bank website direct link
Offline process: Please visit your nearest branch of HDFC Bank to apply offline. Don’t forget to mention there that you want to apply for HDFC Indian Oil Credit Card as you match your needs with this type of fuel credit card.

Conclusion:-

As I am having my own HDFC Indian Oil Credit Card and this is my first choice in terms of fueling. Even I use my own card sometimes for my closest friend’s fuel transactions. This card is every much useful in my case. To learn more about fuel cards from axis bank, you can go through this article from cashbabu. If you feel that you are also a frequent traveller in your town or if you are a commercial vehicle owner or a personal bike owner it is your next best friend while travelling around your town.

FAQs:-

1. How can I apply for HDFC Indian Oil Credit Card?

To apply for HDFC Indian Oil Credit Card you can go to your nearest HDFC Branch or you can directly apply from the HDFC BANK’S CREDIT CARD apply website link.

2. Can we use HDFC Indian oil Credit Card for shopping?

Yes, we can use this card for online shopping. At the same time we can get some value back in terms of reward points.

3. Can I withdraw cash from my HDFC Indian oil credit card?

Yes. You can withdraw cash from this card. However cash withdrawal system is chargeable by the bank and it is known as cash advance charge for the credit card. This charge is 2.5% per transaction or 500 whichever is higher will be added in the next billing statement.

4. How can I earn free fuel of 50 Litre per year?

Based on the maximum fuel points that can be earned in a month one card holder can end up by utilising free 50 litres of fuel per year. This rewards are available on both rupay and visa credit card platforms.

5. How do I redeem my Indian Oil Points?

Your Indian Oil HDFC Credit card points as fuel points can be redeemed in two steps if you would like to redeem it in IOCL fuel stations. In step 1 you have to create an account with extra reward program offered by Indian Oil Corporation Limited. Then in the second step you have to redeem your fuel points in extra reward program and there you will get the extra reward points which you can redeem in any IOCL Outlets. 1 Extra Reward Point is equal to 30 paisa.

January 6, 2024/by MITHUN SAMANTA

Best Fuel Benefits with Indian Oil Axis Bank Credit Card 2023

Introducing the Indian Oil Axis Bank Credit Card, an unparalleled financial companion that transcends mere transactions to offer a realm of exclusive benefits and substantial savings. This credit card isn’t just a means of payment; it’s a gateway to a world of perks designed to elevate your everyday expenses while maximizing your savings potential.

Designed for the savvy spender, the IndianOil Axis Bank Credit Card isn’t solely about convenience; it’s a strategic tool that puts your expenses under your control. Imagine the satisfaction of significant savings every time you fuel up, as this card unlocks exclusive discounts and rewards specifically tailored for gasoline bills. But that’s just the beginning.

Beyond fuel savings, this credit card transforms everyday purchases into opportunities for added benefits. From groceries to dining, travel to entertainment, it seamlessly extends its advantages to various facets of your life. The expedited reward points system ensures that every swipe translates into tangible benefits, bringing you closer to your aspirations with each transaction.

One of its standout features lies in the surcharge waivers, alleviating the burden of additional fees commonly associated with credit card transactions. This not only simplifies your spending but also adds substantial value to each purchase, making your expenses more rewarding than ever before.

Furthermore, the Axis Bank IndianOil Credit Card isn’t limited to a single domain. It extends its advantages beyond fuel-related expenses, catering to diverse needs and offering a comprehensive suite of benefits in different realms. Whether it’s lifestyle privileges, travel perks, or financial management assistance, this credit card emerges as your trusted companion, empowering you to navigate life’s expenses with ease and confidence.

Key Highlights of Indian Oil Axis Bank Credit Card

Perfect for	Fuel Expenses
Joining Fees	Rs. 500
Annual Fees	Rs. 500
Axis Bank Indian Oil Credit Card Reward Points	4% cashback on fuel purchases at Indian Oil pumps.

Axis Bank Indian Oil Credit Card Benefits and Features

Welcome benefits include an Rs. 500 Amazon voucher and 100% cashback (up to Rs. 500) on all fuel transactions made within the first 30 days of card issuance. This welcome deal is only available for a short time.
Reward Points: Indian Oil Axis Bank Credit Card offers the following reward rates across various categories: – 20 Edge Awards for every Rs. 100 spent at IOCL petrol pumps (for transactions up to Rs. 5,000 every month). – 5 Edge Points for every Rs. 100 spent online.
Get one Edge Reward Point for every rupee spent elsewhere.
Movie Benefits: BookMyShow offers a 10% discount on movie ticket bookings.
Fuel Surcharges Waiver: All fuel transactions between Rs. 200 and Rs. 5,000 are waived off from the 1% fuel surcharge (maximum waiver up to Rs. 50 per month).

Indian Oil Axis Bank Credit Card Charges And Fees

The most prominent Axis Bank Indian Oil Credit Card Fees are

Type of Charge	Amount
Joining Fees	Rs. 500
Annual Fees	Rs. 500
Interest Rate	49.36% p.a
Late Payment	Nil for amounts less than Rs. 500. Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000. Rs. 750 for amounts ranging from Rs. 5,000 to Rs. 10,000. Rs. 1,200 for amounts greater than Rs. 10,000.

Eligibility for Indian Oil Axis Bank Credit Card

The requirement for Indian Oil Axis Bank Credit Card is mentioned in the below table.

Age	18 to 70 Years of Age
Occupation	Salaried or Self-employed

Documents Required to Apply for the Indian Oil Axis Bank Credit Card

Required Documents are as followed :-

Proof of Address: Ration, Passport, Voter ID, Aadhaar.
Proof of Income: Pay Slip, ITR, Form 16.
Proof of Identification: Passport, Aadhar, Driver’s License, PAN.

How Can You Apply for the Indian Oil Axis Bank Credit Card?

If you want this credit card, you will have to follow the steps mentioned below-

Step 1: You will have to visit the official website of Axis Bank.

Step 2: Navigate to the Apply section and chose the desired card.

Step 3: Now, choose the apply option and enter all your details.

Step 4: Once the details have been entered, click on submit, and the bank will get in touch with you.

Similar Credit Cards

Credit Card Name	Fees	Feature
HDFC Bharat Cashback Credit Card	Rs. 500	5% off petrol, IRCTC ticket, groceries, bill payments, and cellphone recharges.
ICICI Bank HPCL Coral Credit Card	Rs. 199	For fuel purchases at HPCL pumps, you will receive 2.5% cashback and a 1% fuel surcharge reduction.
Indian Oil Citi Platinum Credit Card	Rs. 1,000	Every Rs. 150 spent at Indian Oil gasoline stations earns you 4 Turbo points.
Indian Oil HDFC Bank Credit Card	Rs. 500	5% of your purchases are gasoline points at IndianOil locations.
SBI BPCL Credit Card	Rs. 499	In BPCL gas pumps, 13X reward points are equivalent to 4.25% value back.

In the meantime you can also read our content on the topic No Annual Fee Credit Cards. These cards are meant for beginners who want to opt for first credit card.

Other Axis Bank Credit Cards

Flipkart Axis Bank Credit Card	Axis Bank Privilege Credit Card
IndianOil Axis Bank Credit card	Axis Bank Select Credit Card
Axis Bank MY Zone Credit Card	Axis Bank Neo Credit Card
Axis Bank Vistara Credit Card	Axis Bank Reserve Credit Card
Axis Bank Magnus Credit Card	Axis Bank AURA Credit Card

FAQs

Can I use the Indian Oil Axis Bank Credit Card internationally?

Yes, this credit card is globally accepted, allowing you to make purchases and transactions internationally. However, please note that certain charges, such as foreign currency markup fees, may apply for international transactions.

Does this credit card offer any travel benefits?

Yes, apart from fuel-related advantages, this card provides travel benefits such as lounge access at selected airports, travel insurance coverage, and discounts on specific travel bookings.

What is the interest-free period offered with this credit card?

The interest-free period on this credit card is up to 50 days, provided the outstanding balance is cleared in full by the due date.

Can I transfer the outstanding balance from another credit card to the Indian Oil Axis Bank Credit Card?

Yes, you can transfer the outstanding balance from other credit cards to this card through a balance transfer facility. However, please note that a nominal processing fee may be applicable.

Is there a cash withdrawal limit on this credit card?

Yes, cash withdrawal limits are applicable to this credit card. The limit is usually a percentage of the overall credit limit assigned to the card. Cash withdrawal may also incur charges and interest from the date of withdrawal.

What is the process for upgrading or downgrading the credit card variant?

Upgrading or downgrading your credit card variant can usually be done by contacting the Axis Bank customer service helpline or visiting the nearest branch. There might be specific criteria and conditions for such changes.

How do I check my credit card statement and outstanding balance?

You can easily check your credit card statement and outstanding balance through Axis Bank’s internet banking portal or mobile app. Alternatively, you can also receive monthly statements via email.

Are there any special dining privileges offered with this credit card?

Yes, this credit card often provides dining offers and discounts at selected partner restaurants. These offers can vary and are periodically updated.

Can I convert big-ticket purchases into EMIs (Equated Monthly Installments)?

Yes, the IndianOil Axis Bank Credit Card offers the facility to convert significant purchases into easy EMIs. However, this is subject to specific terms and conditions.

What should I do if my credit card is lost or stolen?

In case of loss or theft, immediately notify Axis Bank’s customer service helpline to block the card. They will assist you in the process of card replacement and safeguarding against any unauthorized transactions.

What Papers must be presented to apply for an Indian Oil Axis Bank Credit Card?

To apply for this Credit Card, you must provide scanned copies of your PAN card, Aadhar card, passport, government ID proof, driving license, utility bills, most recent pay stubs, and form 16.

Is the Indian Oil Credit Card of Axis Bank appropriate for online purchases?

In addition to being a fuel credit card, this card offers incentives while purchasing online. Get 1% value back by accumulating five reward points for every Rs. 100 spent on online shopping. However, this only applies to online transactions between Rs. 100 and Rs. 5,000.

Where can this credit Card’s reward points be redeemed?

You can redeem your reward points through the Axis Bank website or the mobile app’s rewards catalog..

What is the Indian Oil Axis Bank Credit Card annual fee?

This credit card has an Rs. 500 application fee..

What exactly is a waiver of the fuel surcharge?

For all purchases done with this card, the fuel surcharge of 1% of your fuel purchase is eliminated. The minimum purchase amount to quality for this waiver is Rs. 200, with a maximum purchase amount of Rs. 5,000.

If you would like to know more about applying Indian Oil Axis Bank Credit Card then please go to the official website of the bank from here.

December 28, 2023/1 Comment/by MITHUN SAMANTA

Credit Cards, Fuel Credit Cards

Fuel Your Finances with BPCL SBI Card OCTANE: A Detailed Review 2024

The BPCL SBI Card Octane stands as a premium offering within the spectrum of co-branded credit cards, representing an elevated tier from its predecessor, the BPCL SBI Card.

This distinct card is meticulously crafted to cater to the specific needs of individuals whose routine expenses primarily revolve around fuel purchases, especially at Bharat Petroleum Gas stations.

A standout feature of this card is its remarkable 7.25% cashback reward on fuel expenditures made exclusively at selected BPCL outlets. However, its appeal extends beyond mere petrol savings, offering an array of accelerated returns across diverse spending categories like groceries, entertainment, and dining experiences.

This multifaceted benefit structure positions the BPCL SBI Card Octane as a versatile financial tool, amplifying savings on various essential and leisurely expenditures.

If a significant portion of your monthly budget is allocated to petrol purchases, particularly at BPCL outlets, this card emerges as an astute choice, promising not just substantial savings but also catering to broader spending needs with its diversified rewards program.

With its emphasis on fuel benefits combined with enticing rewards across other essential categories, this card presents an enticing proposition for those seeking to optimize their expenses and derive maximum value from their card usage.

Key Highlights of BPCL SBI Card Octane

This credit card is well-suited for individuals who heavily rely on fuel expenses in their daily lives. With an annual charge of Rs. 1,499 and similar joining charges, the card offers a compelling incentive with a noteworthy 7.25% value back on fuel spending. This generous reward system ensures that users can make substantial savings on their fuel purchases, making it an attractive choice for those seeking to optimize their spending on fuel-related expenses.

SBI BPCL Octane credit card Features and Benefits

The SBI BPCL Octane credit card features and benefits are listed below-
As a welcome perk, you’ll admit 6,000 perk RPs upon payment of the periodic class cost.
SpendingRs. 100 on energy at BPCL refill stations earns you 25 price points( maximum 2,500 price points per month).
Ten points for everyRs. 100 spent on grocery, department stores, and cinema tickets( maximum 7,500 price points per month).
Renewal charge waived ifRs. was spent in the former time.
One price point for everyRs. 100 spent on other retail purchases, banning mobile portmanteau uploads andnon-BPCL energy stations.
All petrol transitions up toRs. 4,000 are pure from the 1 energy cargo.
One lakh in complimentary fraud liability content.
4 complimentary domestic chesterfield visits per time( 1 per quarter).
For an periodic expenditure ofRs. or further, Aditya Birla Fashion, Yatra, Urban Ladder, Hush Puppies, or Bata will give you aRs. 2,000 gift testimonial.

Annual Fee and Charges of BPCL SBI Card Octane

The SBI BPCL Octane credit card offers a tailored fee structure and diverse features catering to various spending habits. For applicants eyeing this card, it’s imperative to understand its fee breakdown. The joining and renewal fees stand at Rs. 1,499 each, while finance charges are set at 42% p.a. Late payment fees range from Rs. 500 to Rs. 1,300, depending on the outstanding amount.

Eligibility Criteria:-

Eligibility criteria encompass an age bracket of 21 to 70 years and are open to both self-employed individuals and salaried personnel.

Required Documents to Apply for BPCL SBI Card OCTANE

Necessary documents include ID proofs like Voter ID, Aadhar Card, and Driver’s License, along with income proofs such as ITR, Form 16, and Salary slips, as well as address proofs like Passport, Ration Card, Voter ID, and Aadhar Card.

Application Process for BPCL SBI Card OCTANE

The application process for the BPCL SBI Card Octane is convenient, offering offline submission by visiting nearby SBI branches or opting for an online application through the official website or via ELA, the website’s chatbot.

Moreover, this card boasts a fuel surcharge waiver of 1% at BPCL fuel stations on transactions up to Rs. 4,000, with a maximum waiver of Rs. 100 per statement cycle. Additionally, an annual fee waiver of Rs. 1,499 is granted if annual spending surpasses Rs. 2 lakh. Understanding payment methods, credit limits, and the diverse range of similar credit cards can significantly enhance your credit card experience, providing avenues to maximize rewards and benefits tailored to your lifestyle and preferences.

The fee structure for the SBI BPCL Octane credit card is delineated as follows:

– Joining Fees: Rs. 1,499
– Renewal Charges: Rs. 1,499
– Finance Charges: 42% p.a
– Late Payment Charges:
– Rs. 500 to Rs. 1,000: Rs. 400
– Rs. 1,000 to Rs. 10,000: Rs. 750
– Rs. 10,000 to Rs. 15,000: Rs. 950
– Rs. 25,001 to Rs. 50,000: Rs. 1,100
– Above Rs. 50,001: Rs. 1,300

These charges are pertinent to individuals considering the SBI BPCL Octane credit card and serve as a guideline for understanding the financial implications associated with the card membership. The joining and renewal fees, coupled with the finance charges, delineate the initial and ongoing financial commitment, while the late payment charges vary based on the outstanding amount. It’s crucial for prospective cardholders to consider these fees comprehensively, aiding in informed decision-making and ensuring responsible usage to avoid unnecessary penalties or charges.

Similar Credit Cards:

Comparison of Similar Fuel Credit Cards:

1. SBI BPCL Credit Card

– Features: Earn 4.25% cashback on fuel purchases exclusively at BPCL stations.

2. HDFC Bharat Cashback Credit Card

– Features: Offers a 5% rebate on monthly gasoline expenses across various fuel stations.

3. Indian Oil Axis Bank Credit Card

– Features: Avail a 4% cashback on fuel transactions at Indian Oil Corporation Limited (IOCL) outlets.

4. Indian Oil HDFC Bank Credit Card

– Features: Gain 5% of fuel purchases as fuel points specifically at Indian Oil outlets.

Each of these credit cards comes with distinct benefits tailored for fuel-related expenses, ranging from cashback offers to rebates and points accumulation. Understanding the unique perks and rewards associated with these cards can assist you in selecting the one that aligns best with your spending patterns and preferences.

Conclusion:-

In conclusion, the BPCL SBI Card OCTANE emerges as a game-changer in the realm of credit cards, particularly for those seeking to optimize their financial outlays, specifically in fuel expenses.

As highlighted in this comprehensive review of 2024, this card stands out with its exceptional 7.25% cashback offer on fuel purchases at select Bharat Petroleum Gas stations, setting it apart as an ideal choice for individuals who frequently refuel at BPCL outlets.

Beyond its impressive fuel benefits, the card’s accelerated rewards program spanning various essential categories like groceries, entertainment, and dining further solidifies its value proposition, catering to a diverse array of spending needs.

As you navigate your financial landscape, consider the BPCL SBI Card OCTANE as a robust tool to fuel not only your vehicle but also your financial prosperity.

With its multifaceted rewards and tailored perks, this card proves to be a strategic asset in maximizing savings and enhancing your overall spending experience. Choose wisely, fuel your finances, and elevate your financial journey with the BPCL SBI Card OCTANE in 2024 and beyond.

Certainly, here is the revised content for the FAQs section:

Frequently Asked Questions:

1. Is there a fuel surcharge waiver available with the SBI BPCL Octane Credit Card?

Absolutely, this credit card allows a complete waiver of the 1% fuel surcharge at all BPCL fuel stations for transactions up to Rs. 4,000. However, please note that there’s a maximum waiver limit of Rs. 100 per statement cycle.

2. What is the credit limit available on the BPCL SBI Octane Card?

Upon reviewing your application, the bank will provide information regarding your SBI BPCL Octane credit card limit. This limit is determined based on various factors including your credit score, annual income, payback capacity, and other relevant considerations. Therefore, your credit limit will be disclosed only after successful verification.

3. How do I make a payment on my BPCL SBI Octane Card bill?

You have the convenience of paying your credit card bills both online and in person at the bank. Online payment options include NEFT/RTGS, PayNet UPI, mobile banking, NACH, and the mobile app. Additionally, you can make payments in person at any nearby branches using a cheque or cash for your SBI Credit card bill.

4. How do I get a BPCL SBI Card, Octane?

The application process for this credit card is available both online and in person. To apply online, visit the SBI Card’s official website and complete an application form. Alternatively, you can visit the nearest bank location and discuss the application process with an executive. In both cases, supporting documentation is essential to obtain this credit card.

5. Is the BPCL SBI Card Octane subject to an annual fee waiver?

Yes, if your annual spending exceeds Rs. 2 lakh, the annual charge of Rs. 1,499 will be waived for the subsequent year.

Are you in a mood to apply for this SBI Fuel card? Then no need to hurry. Just click here to go to apply section.

December 6, 2023/by MITHUN SAMANTA

Credit Cards, Fuel Credit Cards

The Ultimate Guide to the Indian Oil Citi Bank Credit Card

The Indian Oil Citi Bank Credit Card from Citi Bank is a fantastic choice for fuel benefits and rewards. Partnering with Indian Oil, it offers great advantages like earning Turbo Points with every purchase. The annual fee of Rs. 1,000 is reasonable considering the chance to get up to 71 liters of free fuel annually. The card also provides a welcoming 250 Turbo Points on your first transaction, making it a rewarding choice from the get-go.

Additionally, this card stands out with its versatile rewards system. Not only can you redeem Turbo Points for fuel purchases at IndianOil outlets, but you can also utilize them across various categories, including shopping, gift vouchers, AirMiles, and even cashback. Moreover, the card unlocks exciting discounts at a wide range of restaurants, adding extra value to your dining experiences. It’s more than just a fuel card; it’s a gateway to numerous rewards and perks tailored to your lifestyle.

Furthermore, the Indian Oil Citi Bank Credit Card offers accelerated rewards for specific spending categories like groceries, departmental stores, and, of course, fuel purchases at IndianOil outlets. Earning 1 Turbo Point for every Rs. 150 spent, this card ensures you maximize your benefits, allowing you to save more on your regular expenses. It’s a comprehensive package designed to cater to your everyday needs while rewarding you generously for your purchases. Explore its features, associated fees, and the array of benefits it offers for a holistic understanding of its value proposition.

Rewards and Benefit:

Movie & Dining

You can avail up to 20% discount on dining across several participating restaurants.

Rewards Rate

1 Turbo Point for every Rs 150 spent, 2 Turbo Points for every Rs.150 spent at supermarkets, and 4 Turbo Points every time you spend Rs.150 on fuel at IOCL Outlets.

Rewards Redemption

For redemption against fuel, 1 TP=Re.1, for other categories 1 TP=Re.0.25 to Re. 0.35, and for AirMiles, 1 TP=0.75 Airmile/Intermile.

Zero Liability Protection

ON reporting the lost card to the Bank, the cardholder will not be liable for any fraudulent transaction.

Fees & charges

Spend based Waiver

On spending minimum Rs. 30,000 in the previous year you can waive off your annual fee.

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on all foreign currency transactions.

Interest Rates

3.75% per month

Fuel Surcharge

1% fuel surcharge waiver at all Indian Oil outlets.

Cash Advance Charges

You will be charged 2.5% of the amount withdrawn or a minimum of Rs. 500.

Add-on Card Fee

Nil

Turbo Point details of Indian Oil Citi Bank Credit Card

1 Turbo Point for every Rs. 150 you spend.
You get 2X Turbo Points for spending on groceries and supermarkets.
You get 4X Turbo Points on spending on fuel at authorized Indian Oil outlets.
Get a welcome bonus of 250 Turbo Points.
Turbo Points are redeemable fuel, cashback, shopping, etc.
Exciting dining discount offers across several participating restaurants.
A 1% fuel surcharge waiver.
Spending-based renewal fee waiver.
24*7 customer support.

Welcome Benefits

Earn 250 Turbo Points as a welcome gift if you make your first translation within 30 days of card activation.

Dining Benefits

Get up to 20% discount on dining bills at various participating restaurants using your Indian Oil Citi Credit Card.

Indian Oil Citi Bank Credit Card Other Benefits

Exclusive saving offers on flights through MakeMyTrip.
Saving of up to Rs. 1000 on EaseMyTRip.
Up to 15% discount on Vista Rooms.
Up to 15% cashback at duty-free stores.

Joining and Renewal Fee Waiver:

On spending Rs. 30,000 or above in the previous year, the annual fee pf Rs. 1,000 can be waived off for the Indian Oil CitiBank Card.

Fuel Surcharge Waiver:

Get a 1% waiver on fuel surcharge across all authorized Indian Oil outlets on swiping your Indian Oil Citi Credit Card for transactions above Rs. 10.

Indian Oil Citi Bank Credit Card Rewards:

Since it is a fuel credit card, you Reward Points as Turbo Points on the Indian Oil Citi Bank Credit Card.
Get 1 Turbo Point every time you spend Rs. 150.
2 Turbo Points per Rs. 150 you spend on supermarkets & groceries. For spends greater than Rs. 5,000, you get 1 extra Turbo Point on every Rs. 150 you spend. These incremental Turbo Points are capped at 34 Turbo Points per transaction.
You get 4 Turbo Points per Rs. 150 spent on fuel purchases at authorized Indian Oil outlets. The Turbo Points in this category are capped at 267 Turbo Points per transaction.

Rewards Redemption:

To redeem your Turbo Points, you need to visit www.online.citibank.co.in then click on the option Redeem Reward Points under Credit Card. You can redeem your earned Turbo Points against online shopping, fuel, in-store shopping at partner brands, cashback, AirMiles/InterMiles, etc, at the rates given below:

Redemption Category	Value of 1 RP
Fuel at Indian Oil outlets	Re. 1
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
Cashback	Re. 0.35

For redemption against fuel, you would need 250 Turbo Points, for AirMiles/InterMiles you need 100 TPs, for Cashback you need 10,000 TPs and against gift vouchers no minimum limit of Turbo Points

Following are the eligibility criteria that one needs to follow if they want to get approved for the Indian Oil Citi Card:

Particular	Criteria
Age	Minimum 21 years
Income	Stable source of income
Credit Store	Decent credit score

Documents Required

Identity Proof (Driving Licence/ Aadhar Card/ Voter Card/ Passport).
Address Proof (Voter ID/ Driving Licence/ Passport/ Aadhar Card).
Past two months salary slip (for salaried employees).
Latest year ITR with income computation (for self-employed individuals).

How to Apply for Indian Oil Citi Bank Credit Card?

The applicant can apply for the Indian Oil Citi card by visiting their nearest branch or they can easily apply online by following these simple steps:

Go to https://www.online.citibank.co.in/.
Click ‘Credit Card’.
Select ‘Indian Oil Citi Bank Credit Card’.
Choose the ‘Indian Oil Credit Card’.
Click on ‘Begin your application’.
Fill in all the mandatory particulars and complete all the formalities as mandated by the bank’s website.

If you would like to apply for online shopping based credit card then you can look for this content that will help you to earn reward points based on online shopping.

Customer Care:

Citibank provides its customers with 24*7 customer support. Following are some customer care contact details of Citibank:

Contact the emergency helpline, 1800 267 2425 (toll-free in India) or +91 22 4955 2425 (local sailing), if you have lost your card, if your card is stuck in an ATM, or if you receive notification about a transaction you didn’t make (always operational).
For any other queries, you can contact 1860 210 2484 ( available from 7AM – 9 PM, Monday to Saturday).

Conclusion:

The IndianOil Citi Bank Credit Card is tailored for frequent fuel transactions, offering rewards for various purchases. It grants an annual opportunity to claim up to 71 liters of free fuel, allowing Turbo Points redemption in categories like fuel. With nominal yearly fees, it delivers enticing reward and discount offers for dining, flight, and hotel bookings. The card not only helps you save through Turbo Points but also offers fuel surcharge waivers and spend-based renewal fee waivers, enhancing its value proposition. In essence, for those seeking a low joining fee and diverse benefits across multiple categories, the IndianOil Citi Credit Card stands as an ideal choice.

FAQs:

1. What is the annual interest rate for this card?

The Indian Oil Citi Bank Credit Card carries an annual interest rate of 45%, which amounts to 3.75% per month.

2. How do Turbo Points translate into rupees for fuel redemption?

For fuel transactions at authorized IndianOil outlets, 1 Turbo Point holds a value equivalent to Re. 1.

3. What is the annual fee for this card, and is it possible to waive it?

The annual renewal fee for the Indian Oil Citi Bank Credit Card stands at Rs. 1,000. However, this fee can be waived if you spend Rs. 30,000 or more in the previous year.

4. Are there any flight booking discounts available through the IndianOil Citi Credit Card?

Absolutely. You can access exclusive discount offers for flight bookings through MakeMyTrip and EaseMyTrip using your Indian Oil Citi Bank Credit Card.