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CREDIT CARD DETAIL IndianOil Citibank Card Card Highlights Card Class Standard (Petro) Card Type Fuel/Auto Issuer Citi Bank Offered Type MasterCard Rewards Petroleum Main Features Earn 3 Rewards Points on every Rs. 200/- spent at IOC outlets and 1 Rewards Point for Rs. 200/- spent on non-fuel purchases. For the list of IOC outlets where you can redeem your Turbo points for free fuel An Additional Credit Card for your dependent, FREE.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 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 (• Transfer an amount as low as Rs 2500 and save on interest. • Pay back in easy EMIs of 12, 24, 36 months.}  Fees & charges   Fees & charges Joining Fee Free for Life. Annual Fee Free for Life. Add On Card Fee Free for Life. You can also 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 Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Outstation Cheque Processing Fee Rs 100 Duplicate Statement Request Charges Rs 100 Replacement Card Charges Rs 100 Air/Railway Booking Comment 2.5% (subject to a minimum of Rs. 25) on railway tickets purchase and cancellation Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn 3 Rewards Points on every Rs. 200/- spent at IOC outlets and 1 Rewards Point for Rs. 200/- spent on non-fuel purchases.  Fuel   Fuel: Surcharge Waiver No 2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs Reward Points Your IndianOil Citibank Card comes with an exciting Rewards Program - Turbo Track. Earn Turbo Points every time you use you IndianOil Citibank Card. Rs. 200/- spent on your IndianOil Citibank Card gives you 1 Turbo Point and purchase at IndianOil Retail Outlets give you 3 Turbo Points. The accumulated Turbo Points can be exchanged for petrol, absolutely FREE! You can start redeeming your Turbo Points when you have accumulated at least 500 Points and in multiples of 50 thereafter. Upon redemption, you can exchange your Petro Coupons for free petrol/Servo Lubricants at select IndianOil Retail Outlets.  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 Hospitalisation 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 out standings 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 How to decide on a loan for business? Credit Report: A Key Financial Indicator The best education loan from banks in... Home Loan Agreement: An important aspect... Manage your FD in a better way