IndianOil Citi Platinum Credit Card Review – Compare & Apply Loans & Credit Cards in India-

Exclusive Fuel Benefits

If the majority of your work requires commuting on a daily basis, this card can be the right choice for you. With this you can easily save on your fuel purchases. In short, this card is one way by which you can earn free fuel. You can-

  • Save over 5% on fuel at IndianOil outlets
  • Get full waiver of 2.50% on fuel surcharge
  • Earn 4 turbo points for every Rs.150 spent (2.60%)

You have the option to redeem your turbo points instantly for fuel at select IndianOil outlets.

Get Your Annual Fee Waived Off

The card gives you the opportunity of getting your Rs.1000 annual fee waived off. All you need to do is just spend Rs.30,000 or plus annually and get your annual fee completely waived off. This is a decent benefit that this card offers. The amount you need to spend would not be that tight on your pocket and if you are a regular commuter, it will serve as a great advantage at your disposal.

Added Benefits Of The Card 

Apart from the fuel discounts and reward points, the card also provides some of the additional benefits for your convenience. Below is the list of some of the added advantages you get with the card.

Additional Benefits
Category Benefit
Dining Privileges Save up to 20% at over 1000 restaurants in Chennai, Bengaluru, Delhi / NCR, Mumbai
Movie Privileges Get a complimentary small combo on every ticket purchased for a Sunday show at leading multiplexes
Shopping Privileges Enjoy savings and offers across numerous retail stores
Bill Pay Pay all your utility bills online using the Bill Pay facility
EMI Deals Buy expensive products and pay in easy installments

Is Rs.1000 Annual Fee Justified?

We can say that the annual fee is justified in the sense if your main objective behind the card is to get value back out of your fuel expenses. Also if you will be able to spend Rs.30,000 annually you can get this sum waived off, which is counted as an added benefit. Hence for your reference, we have given a list of related fees and charges of the card.

Primary Features Fees / Charges
Annual Fee Rs.1000
Extended Credit Charges 3.25% per month / 39% p.a.
Overlimit Charges 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
Cash advance fee 2.5% of the amount/Min. Rs.500 and $7.5 at International ATMs

Should You Go For This Card? 

Looking for a fuel credit card? Are you a frequent commuter? If the answer is yes, the IndianOil Platinum Credit Card can be the right choice for you. For your help, we have laid down a few points considering for whom the card will be ideal. However, if your requirements are different you can look for other fuel-specific credit cards available. The card is ideal for you if-

  • You are a frequent fuel purchaser and commutes on daily basis
  • Majority of your fuel purchases are from IndianOil outlets
  • You are ready of pay the annual fee of Rs.1000
  • You are not looking for any category specific credit card

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