IndianOil Citibank Credit Card
CancelCiti's entry fuel card: free for life, Turbo Points, and petrol at the pump as the only exit.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #895
Why #895 The entry rung of Citi's IndianOil range — free for life, Turbo Points at the coarsest denomination Citi used, and free fuel at the pump as the only exit. Carried because Citi sold it as its own product beside the Gold and the board would otherwise show one fuel card where the issuer sold two.
The take
Citi ran a fuel range with IndianOil for the better part of twenty years, and it did not run it as one card. This was the entry SKU — sold beside the Gold, at a materially lower rate and in a coarser denomination, which is precisely why it is a separate file here and not a footnote on the card the board already carries. The programme was called Turbo Track and the proposition was the simplest in the range: points earned faster at IndianOil retail outlets than anywhere else, exchanged for petrol at the pump, absolutely free. Alongside it sat the benefit that mattered more than the accrual for most holders — no transaction fee on petrol or any other IndianOil product bought at an IndianOil retail outlet, at a time when the two and a half per cent fuel surcharge was a real tax on filling a tank. As a travel card it is nothing: no lounge, no airline, no accelerator beyond fuel, no forex concession, no transfer out of the programme. As a fuel card it was honest and it was free. Long withdrawn.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹1,500 a year at ₹3,00,000 of annual spend
₹3,000 a year at ₹6,00,000 of annual spend
₹6,000 a year at ₹12,00,000 of annual spend
₹18,000 a year at ₹36,00,000 of annual spend
₹30,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
Citibank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Free for life in Citi's own printed words, with one additional card also free for life
- Turbo Track paid a faster rate at IndianOil retail outlets than on anything else
- Turbo Points came out as free petrol at the pump at a published list of IndianOil outlets
- No transaction fee on petrol or other IndianOil products bought at IndianOil retail outlets
Watch out
- WITHDRAWN — gone from Citi India's range before the Axis Bank handover, and not one of the nine products on Axis's Forward Together site
- NOT THE SAME CARD as the IndianOil Citi Credit Card this board also carries: that one is the senior SKU's lineage, and this one earned less, in a coarser denomination, on the same programme
- THE ONLY EXIT WAS FUEL: Turbo Points bought petrol at IndianOil and nothing else — no cash, no statement credit, no airline and no hotel
- Redemption worked only at outlets on IndianOil's published list, not at every pump
- You could not redeem anything until 500 Turbo Points had piled up, and then only in multiples of 50 — ₹500 of fuel before the first drop, on a card paying 0.50% off the pump
What these points actually fly
No live transfer route takes Citibank IndianOil Turbo Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The card was withdrawn from Citi India's range before the bank sold its Indian consumer business to Axis Bank, and citibank.co.in no longer resolves. Only the senior IndianOil SKU survived to the handover; it is on this board as the IndianOil Citi Credit Card.
Citibank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Apr 2021Citi announces exit from Indian consumer bankingCiti credit cards, retail and wealth in India → Consumer business up for sale (later to Axis)
Citi called time on its Indian consumer arm — including its cult PremierMiles and Rewards cards — citing a lack of scale. The portfolio would eventually pass to Axis, ending one of India's most-loved rewards ecosystems.
- 12 Oct 2019Citi India guts reward earning on utilities, insurance, and tax
- 1 Dec 2017Citi PremierMiles' 10X 'Extra' partner program dies for good
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
- 16 Jul 2012Citibank kills Jet Airways co-brand, pivots to PremierMiles
- 16 Jul 2012Citibank Retires 13-Year Jet Airways Co-Brand, Launches PremierMiles
Every Citibank change we've dated → 7 events since 2012, 4 of them nerfs — worst year 2019.
Verified against Citibank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Citibank India's own IndianOil Credit Card product page (archived 13-Aug-2008) — "This Card comes to you Free for Life", the Turbo Track table and the no-transaction-fee benefit
- official "Forward Together", Axis Bank's Citi-transition site — the closed nine-product set Citi India still had at the handover, in which only the senior IndianOil card appears