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CREDIT CARD DETAIL Indian Oil Citibank Gold Card Card Highlights Card Class Standard (Petro) Card Type Fuel/Auto Issuer Citi Bank Offered Type MasterCard Rewards Petroleum Main Features Earn 4 Turbo Points for every Rs. 150/- spent at IOC outlets. No transaction fees applicable on petrol or other IndianOil products purchased at IndianOil Outlets. Save 5% every time you fill fuel at IOC pumps.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 3.15% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 1.49% per month Min.: Rs 2500 per month  Fees & charges   Fees & charges Joining Fee This Card comes to you Free for Life. Annual Fee This Card comes to you Free for Life. Add On Card Fee You can get one Additional Card Free for Life for any of your family member over the age of 18. Cash Advance Transaction Fee 2.0% on advanced amount (subject to a minimum of Rs.300 and US$7.5 at International ATMs) Penalty Interest Rate • Boarding Rate: i.e. in the first 6 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns • The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually) Late Payment • Rs. 300 for bills up to Rs.10000 • Rs. 600 for bills from Rs. 10001 - 25000 • Rs. 700 for bills above Rs. 25000 Free Credit Period Min.: 17 days Max.: 55 days Over Limit Charges 2.5% of the amount over the Credit Limit (Subject to a minimum of Rs. 500) Cheque Bounce Fee Rs. 250 per returned cheque Outstation Cheque Processing Fee Rs 100 Non-Bank ATM Access / Balance Enquiry Charges Rs. 100 per cheque Duplicate Statement Request Charges Rs 100 Replacement Card Charges Rs 100 Railway Booking Surcharge 2.5% Air/Railway Booking Comment 2.5% (subject to a minimum of Rs. 25) on railway tickets purchase or cancellation fee Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges Mark up of 3.5% (service taxes as applicable) Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn 4 Turbo Points for every Rs. 150/- spent at IOC outlets.  Fuel   Fuel: Surcharge Waiver Yes 2.5% (subject to a minimum of Rs.10) Waived at Indian Oil Outlets for transactions done on Citibank EDCs. Reward Points Earn 4 Turbo Points for every Rs. 150/- spent at IOC outlets. For spends outside IndianOil Retail Outlets, earn 1 Turbo Point for every Rs. 150/- spent on the Card. Turbo Points can be redeemed for free fuel, Servo lubricants and Indane Gas at select IndianOil Retail Outlets across the country.  Health   Health: Hospitalization Benefits Yes Description (Hospitalization Benefits) 1. The policy is designed to pay up to Rs. 5 lakhs worth of hospital / treatment expenses. 2. Applicants less than 55 years of age do not require any medical examination. 3. A unique policy that covers the entire family at a nominal cost with Cashless Hospitalization benefits.  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility Yes EMI on Call Facility Yes Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes Insurance: Other Accident An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha. Hospitalization Benefits Yes Credit Shield Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.  Special Offers   Special Offers Free Fuel No Transaction Fee Great Offers  Terms & Conditions   Terms & Conditions Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS The right age for home loans! Tax saver fixed deposits in India earn you... Carnival of Indian Personal Finance Blogs #3 12 point conduct checklist for bank and... TIPS FOR ASPIRING CAR BUYERS AND OWNERS