Indian Oil Citi Titanium Credit Card, Fuel Credit Card - Apply for Petrol credit card online
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Indialends, 25 Mar 2026

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Indian Oil Citi Titanium Credit Card

IndianOil Citi Titanium Credit Card is one of the amazing fuel surcharge savor credit cards of Citi Bank. Here the cardholder gets up to 71-liter free fuel annually. It allows one to earn turbo points on each of the spending.

Features and benefits of IndianOil Citi Titanium Credit Card

  • Save 5% on fuel spending at IOC outlets.
  • Earn 4 turbo points on each Rs 150 spent on fuel at authorized Indian Oil outlets.
  • Earn 1 Turbo point and get free fuel worth INR 1 when redeeming the same at authorized IOCL fuel stations.
  • Enjoy free fuel on spending from on your card of worth INR 250
  • Earn 1 Turbo Point on every INR 150 spent on other categories like shopping, dining, etc.
  • Avail of 200 bonus Turbo Points for applying for add-on cards each time.
  • Get a discount of up to 20% at over 1000 restaurants in Bengaluru, Chennai, Delhi/NCR, and Mumbai.
  • Enjoy a complimentary small combo on every ticket purchased for a Sunday.
  • Complete waiver of 2.5% fuel surcharge at authorized Indian Oil outlets
  • 2 turbo points on INR 150 at grocery stores and supermarkets
  • Full waiver of the fuel surcharge (1%) on fuel purchases
  • Option to redeem the points for gift voucher across major brands
  • Never expiring reward points
  • It is a contactless credit card of Citi Bank

The eligibility criteria to apply for IndianOil Citi Titanium Credit Card

  • The minimum monthly income should be more than Rs.25,000
  • The minimum age should be 23 years
  • You can apply for a Citi Bank credit card only if salaried
  • The cardholder should be Indian or Non-Resident Indian

The documents required to apply for the IndianOil Citi Titanium Credit Card

For Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Annual Fee and Charges of IndianOil Citi Titanium Credit Card

Joining Fee As per bank’s norms
Annual Fee NR 1000 waived on making spends of INR 30,000 in the membership year
Overlimit Charges 2.5% of the amount over the Credit Limit subject to a minimum of INR 500
Outstation Cheque Charge Up to Rs.10000 – Rs.50 per cheque
Rs.10001 to Rs.100000 – Rs.100 per cheque
Amount above Rs100001 – Rs.150 per cheque
Re-issue of Damaged or Lost Credit Card Rs 100
Late Payment Charges INR 600 for current balance up to INR 2000-7500, INR 950 for current balance from INR 7501-15000, INR 1300 for current balance above INR 15,000
Petrol Transaction Charge 2.5% (minimum INR 10), Waived off at Indian Oil outlets for transactions done on Citibank EDCs
Finance Charges 3.75% and 45% Annually.

How to apply for Citi Credit Cards at IndiaLends?

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred Citi credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

Apply online for Citi Bank Credit Card: Check your Citi Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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