IndianOil Citi Review 2026 — Fees, Rewards & Eligibility
Issuer: Axis Bank
Network: Visa | Tier: Entry
The IndianOil Axis Credit Card (formerly Citi) is the best fuel credit card in India, offering up to 6% savings at IndianOil fuel stations combined with fuel surcharge waiver. Best for anyone with significant monthly fuel expenses.
Why Choose the IndianOil Citi?
The IndianOil Citi is a Entry-tier Visa credit card issued by Axis Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Daily commuters and fuel spenders. With a reward rate of 4X on fuel, 2X on groceries and an annual fee of ₹500 + GST (waiver on ₹50K spend), it ranks among the popular Fuel cards in India in 2026.
New cardholders are welcomed with 250 Turbo Points, which adds immediate value in the first year.
IndianOil Citi Fees & Charges
| Annual Fee | ₹500 + GST (waiver on ₹50K spend) |
|---|---|
| Joining Fee | ₹500 + GST |
| Interest Rate | 3.40% per month |
| Foreign Markup | 3.5% + GST |
| Fuel Surcharge Waiver | 1% waiver up to ₹500/month |
IndianOil Citi Rewards & Benefits
| Reward Rate | 4X on fuel, 2X on groceries |
|---|---|
| Welcome Bonus | 250 Turbo Points |
| Lounge Access | None |
| Best For | Daily commuters and fuel spenders |
Key Highlights of the IndianOil Citi
- Up to 6% savings at IndianOil fuel stations
- Extra rewards on grocery shopping
- 1% fuel surcharge waiver
- Annual fee waiver on ₹50K spend
- Best fuel credit card in India
IndianOil Citi Eligibility Criteria
- Minimum income ₹3 lakh per annum
- CIBIL score 700+
- Age 21-65 years
Minimum Income Required: ₹3,00,000+ per annum
Advantages of the IndianOil Citi
- Best for fuel savings
- Low annual fee with waiver
- Grocery rewards
- Fuel surcharge waiver
- Wide acceptance
Drawbacks of the IndianOil Citi
- No lounge access
- Limited to IndianOil pumps
- Low general reward rate
- No travel benefits
IndianOil Citi — Frequently Asked Questions
What is the annual fee of the IndianOil Citi?
The IndianOil Citi has an annual fee of ₹500 + GST (waiver on ₹50K spend) and a joining fee of ₹500 + GST. New cardholders receive 250 Turbo Points as a welcome benefit, which helps offset the joining cost.
Does the IndianOil Citi offer airport lounge access?
No, the IndianOil Citi does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the IndianOil Citi?
The minimum income requirement is ₹3,00,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IndianOil Citi?
The IndianOil Citi earns 4X on fuel, 2X on groceries. It is best suited for Daily commuters and fuel spenders.
Credit Cards Similar to the IndianOil Citi
If you are considering the IndianOil Citi, these fuel credit cards are worth comparing before you apply:
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
Expert Rating: 4.2/5