IndianOil Citi Credit Card — Rewards, Fuel Benefits & Features Guide

₹2,400

*T&C Apply

Avoid paying the late fee and pay all the fees on time.

IndianOil Citi Credit Card Pros & Cons 

Before making any decision, weigh both sides of the coin. Here are the pros and cons of the IndianOil Citibank Credit Card:
 

This card is best if you use it for regular fuel and online spending. However, it won’t be of much use if your major concern is caps and high charges.

Documents Needed for the IndianOil Citi Credit Card Application

To apply for the IndianOil Citi Credit Card, you must provide the following:
 

• Identity Proof: A copy of your PAN card or Form 60.
   
• Income Proof: Recent salary slips, IT return, or Form 16.
   
• Address Proof: One of the following - Driving Licence, Passport, Ration Card, or Electricity Bill.
   

Keeping these documents handy will make the application process faster and easier.

Steps to Apply for the IndianOil Citi Credit Card

You can apply for the IndianOil Citi Credit card online or visit the branch too. Below, we have explained both ways:

1. Offline Method

It includes visiting the branch. The steps are:
 

• Visit your nearest Axis Bank branch.
   
• Request the IndianOil Citi Credit Card application form from the bank representative.
   
• Fill in the required details and attach photocopies of ID, address, and income documents.
   
• Submit the form to the representative and wait for verification and approval.
   

After approval and verification, you will get your credit via mail. So keep your registered number active. 
 

2. Online Method

You don’t need to visit any branch. Make sure you have a stable internet connection and a good device. The steps are:
 

• Go to the official Axis Bank website.
   
• Under the "Helping you meet your life goals" section, select "Credit Card."
   
• Click on the "How to Apply" option and then choose "Apply for Credit Card."
  
   
• Select "Yes" if you are an existing Axis Bank customer; otherwise select "No."
   
• Enter the necessary details and choose the IndianOil Citi Credit Card.
   
• Complete the online form and submit it.
   

With the online method, you can apply directly without visiting the branch.

Conclusion

The IndianOil Citi Credit Card is best suited for regular commuters who use their own vehicles and have high fuel consumption. It surely offers good rewards on fuel purchase, online shopping, booking tickets and basic lifestyle needs. However, the charges are really high. Because of it, you won’t feel like using it everywhere. 

FAQs 

Can the IndianOil Citi Credit Card be linked to UPI for payments?
Currently, most credit cards are being integrated with UPI. Users should check Axis Bank updates to confirm if IndianOil Citi is enabled.

Does the IndianOil Citi credit card offer lounge access or travel-related perks?
No lounge access or travel rewards are listed for this card. It is focused on fuel and basic lifestyle benefits only

Can add-on cardholders earn the same reward benefits?
Yes, add-on card usage contributes to the primary account’s reward accumulation. The same caps and limits apply across both cards combined.

Do reward points expire, and what’s their validity?
In Axis Bank’s EDGE Rewards, points expire after 3 years from the date they are earned. 

Is the card accepted overseas, and does it support contactless/tap-to-pay?
Most cards with international network branding (Visa/Mastercard) work abroad. Contactless capability depends on your specific card variant. See Axis Bank’s Contactless FAQs.

How do I raise a disputed transaction or request a chargeback?
You must report disputes to the bank immediately, submit transaction details and supporting evidence, and the bank will investigate under their dispute resolution policy.

Can I get business/GST-ready consolidated statements or CSV exports?
Axis Bank allows downloading e-statements / CSVs for reconciliation. Request a GST-friendly or consolidated statement through your relationship manager or card helpline.