CITI Rewards Vs CITI Indian Oil Credit Card (Which One Should I Take)

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Deal Captain
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Hi Guys..
I am going to take either one of CITI Rewards or CITI Indian Oil Credit Card
Which card should i opt for to maximize benefits
( I know CITI dont give much online offers , nor the reward rates are great but just in case)
My brother already hold CITI Indian Oil Card with spend based waiver

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14 Dimers
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What’s the expenditure based on ? I mean to ask, for what purpose are you planning to use it for ?
Guessing by your post, I believe it’s just for bank specific offers on eCommerce sites, in which case, it doesn’t matter;
However I would suggest to go for IndianOil one, since you might have other cards which you can use for departmental/apparels (Citi Rewards works on these only, also most of us mostly do online shopping for these categories, in which case you can use Apay and other cards); Citi Oil one has better benefit in the petrol section expenses.

Now coming to the main point; Citi ka card milna bahut mushkil hai Bhai, give it a shot, but if you already have 3-4 cards, then you need all the luck laughing

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Citi rewards for grocery and department store
Citi Indian Oil for fuel.
Depending on your usage.
But I think if your brother already has a citi card, then no need for another one.

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BlueFlash wrote:

What’s the expenditure based on ? I mean to ask, for what purpose are you planning to use it for ?
Guessing by your post, I believe it’s just for bank specific offers on eCommerce sites, in which case, it doesn’t matter;
However I would suggest to go for IndianOil one, since you might have other cards which you can use for departmental/apparels (Citi Rewards works on these only, also most of us mostly do online shopping for these categories, in which case you can use Apay and other cards); Citi Oil one has better benefit in the petrol section expenses.

Now coming to the main point; Citi ka card milna bahut mushkil hai Bhai, give it a shot, but if you already have 3-4 cards, then you need all the luck laughing

No such planning… Just taking it for now… as getting for free..
Mainly for any occasional offer that CITI releases…
some guys even told that CITI send some user specific SMS and email
for transaction based Gift vouchers or CB..
Since brother already hold IOCL card I once thought to opt for Rewards cards…
Will wait for Inputs from other Dimers..
Salary Account Chipka raha hu bhai… Complementary LTF card de rahe hai…
Will see how it goes.. Else will close the account… stuck_out_tongue

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rohan8397 wrote:

Citi rewards for grocery and department store
Citi Indian Oil for fuel.
Depending on your usage.
But I think if your brother already has a citi card, then no need for another one.

Is the reward rate better than 1.5% for CITI reward or CITI IOCL CC..
as my Indusind Amex will give flat 1.5% reward for any kind of spend on weekdays
and 2% on weekends

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You’re still in processes of taking wink I thought you already took 10+ cards smile

To your current question. If you want fuel go for IOCL card. I use it and its one of best cards
If you want cash against rewards go for Rewards card. I had Citi Rewards card and now switched to Citi Indian oil.


some guys even told that CITI send some user-specific SMS and email
for transaction-based Gift vouchers or CB.

In my 6+years citi usage it never sent GVs. No user-specific offers in citi at least for Suvidha holders. HDFC is great in User-specific/Spend based offers

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Citi indian oil card is much better than rewards card

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Citi Rewards…You can directly apply from the Amazon or Zomato app if you want to…Both of them show me this whenever I order anything from either of them… smile

And yeh Citi Card……………………………. confused

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beastboy wrote:

Salary Account Chipka raha hu bhai… Complementary LTF card de rahe hai…

Arrey Bhai Bhai Bhai… mera bhi same idea tha, but then I didn’t proceed, dunno why laughing
Anyways, once you get it, please DM me about the application process and all, will try to go for it… Also please ask them clearly what happens when you close the account, will the CC still be LTF or will it get converted to spend based waiver one !

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Sushrut.B wrote:

Citi Rewards…You can directly apply from the Amazon or Zomato app if you want to…Both of them show me this whenever I order anything from either of them… smile

And yeh Citi Card……………………………. confused

Yeah… I only posted those deals some time time back on DD… toungueout

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Nighthawk69 wrote:

You’re still in processes of taking wink I thought you already took 10+ cards smile

He is only here to ask questions. For each and every card he is ineligible for.

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Nighthawk69 wrote:

I had Citi Rewards card and now switched to Citi Indian oil.

Dude, how did you switch from rewards to indian oil one ? What’s the process ?

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Nighthawk69 wrote:

You’re still in processes of taking wink I thought you already took 10+ cards smile

To your current question. If you want fuel go for IOCL card. I use it and its one of best cards
If you want cash against rewards go for Rewards card. I had Citi Rewards card and now switched to Citi Indian oil.


some guys even told that CITI send some user-specific SMS and email
for transaction-based Gift vouchers or CB.

In my 6+years citi usage it never sent GVs. No user-specific offers in citi at least for Suvidha holders. HDFC is great in User-specific/Spend based offers

Cash rewards.. not and issue..
i just need the one with better rewards… cash or anything will do

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BlueFlash wrote:

However I would suggest to go for IndianOil one, since you might have other cards which you can use for departmental/apparels (Citi Rewards works on these only, also most of us mostly do online shopping for these categories, in which case you can use Apay and other cards); Citi Oil one has better benefit in the petrol section expenses.

Yes, Indian oil card best, special card whose points value increase* and no expiry.
*/ as always oil prices are increasing

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BlueFlash wrote:

Dude, how did you switch from rewards to indian oil one ? What’s the process ?

Just call the phone CC & tell them that you want to change the card variant to x from y…All banks will be happy to do it…I changed my SBI card in the same way from SimplySave to SimplyClick…

And since both the Rewards & IOCL have same annual charges, they won’t even argue with you…

If for example someone is trying to change the card variant from a much higher variant to a basic card, only then they may try to convince you that you should stick to your current card coz it has more benefits blah blah…Then you just need to tell them ok if you are not downgrading my card, I’m closing my existing card too & they would be happy to downgrade your card too because they would not want to lose any customer… laughing

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BlueFlash wrote:

Dude, how did you switch from rewards to indian oil one ? What’s the process ?

Call customer care, convert all existing rewards to cash and request to swap card to Citi Indian oil.

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beastboy wrote:

Cash rewards.. not and issue..
i just need the one with better rewards… cash or anything will do

*Citi oil card works only in tier-1 and 2 cities and limited to some IOCL refill stations. *Check IOCL and citi website if there are any near petrol bunks which come under IOCL-Citi cards.
*Minimum fuel you have to pour is 250.
*Rewards never expire.
-—————-
If you feel you wont satisfy above points then simply go for Rewards card.
In Rewards if you accumulate 10000 points you get 3500 cash. smile

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I had Citi IndianOil LTF card years back. Since it was LTF, and Citi never gave any offers those days, I did not use it. Couple of years back I got a letter that Citi is closing my card because of non usage laughing

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ontherocks wrote:

I had Citi IndianOil LTF card years back. Since it was LTF, and Citi never gave any offers those days, I did not use it. Couple of years back I got a letter that Citi is closing my card because of non usage laughing

So is the card still there or closed now stuck_out_tongue

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Nighthawk69 wrote:

*Citi oil card works only in tier-1 and 2 cities and limited to some IOCL refill stations. *Check IOCL and citi website if there are any near petrol bunks which come under IOCL-Citi cards.
*Minimum fuel you have to pour is 250.
*Rewards never expire.
-—————-
If you feel you wont satisfy above points then simply go for Rewards card.
In Rewards if you accumulate 10000 points you get 3500 cash. smile

This is the kind of I/p everyone will need..
KG+

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5 yrs ago i switched from citi reward to citi indian oil cc….main reason…citi io cc has 1 reward pt = 1 rs fueld….citi reward cc has 1 pt = 35 paise afaik

minimum 30k trxn in yr for fee waiver

now i took amazon icici cc…as it gives 1% minimum reward pts…n 1 pt is 1 rs apay balance ..in citi if u spend 15k then d reward pt can be arnd 100 only also….it varies with number of trxn..like if 250trx is done den we get 1 pt i guess of 300 then 2 …so it has to be in multiples of 100 or 150..per trxn…but in amazon cc its flat

am open to refer u for d card stuck_out_tongue_closed_eyes

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Paytm first Citi Card is Better than these. There is 1% Cashback for every transaction.

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soccergiants wrote:

Paytm first Citi Card is Better than these. There is 1% Cashback for every transaction.

Buts its paid na bro.. wink
and for the same fees of Rs.500
Fk give 1.5% on any transaction

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i applied for citi rewards card via amazon recently
1.taking this specially for d-mart purchases(hope it’s departmental store).thought 2.8% is good.and i can buy amazon voucher with those points
but one of the dimers said in another thread,
2.for citi rewards,1rp=35 paisa,but for amazon voucher it’s 15 paisa only.is it true?then it’s not 2.8%,less benefit,right? if it’s 1.2% then better i apply for amex smartearn(still need to know more details about this card)
3.cap around 500 rp.
4.10 k points required,for statement credit
5.any charges to buy amazon voucher?
correct me,if i am wrong?

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sravz86 wrote:

i applied for citi rewards card via amazon recently
one of the dimers said in another thread,
for citi rewards,1rp=35 paisa,but for amazon voucher it’s 15 paisa only.is it true?then it’s not 2.8%,less benefit,right
correct me,if i am wrong?

I am looking for the link where complete rewards structure of these two cards are mentioned…
If anyone has it please share… or a snapshot regarding the rewards structure will also do

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Nighthawk69 wrote:

You’re still in processes of taking wink I thought you already took 10+ cards smile

To your current question. If you want fuel go for IOCL card. I use it and its one of best cards
If you want cash against rewards go for Rewards card. I had Citi Rewards card and now switched to Citi Indian oil.


some guys even told that CITI send some user-specific SMS and email
for transaction-based Gift vouchers or CB.

In my 6+years citi usage it never sent GVs. No user-specific offers in citi at least for Suvidha holders. HDFC is great in User-specific/Spend based offers

Ayega… Wo Din Bi Jaldi Hi Ayega..
5 Done , 5 More Pending , CITI,Amex,SC,SBI,BOB
NO idea how dimers missed to post the deal of LTF Amex card
available for salaried person with 12LPA package.. which amex gave in 2017 , 2018 and 2019
this shitty year 2020 is total blunder

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beastboy wrote:

Ayega… Wo Din Bi Jaldi Hi Ayega..
5 Done , 5 More Pending , CITI,Amex,SC,SBI,BOB
NO idea how dimers missed to post the deal of LTF Amex card
available for salaried person with 12LPA package.. which amex gave in 2017 , 2018 and 2019
this shitty year 2020 is total blunder

Amex(especially MRCC) is anyway LTF, all you need to do is make a call to customer care & give an excuse. wink

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beastboy wrote:

So is the card still there or closed now stuck_out_tongue

Chapter closed laughing
It still appears in my credit report as the only card that was closed. I did not close it, but CIBIL doesn’t care.

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beastboy wrote:

I am looking for the link where complete rewards structure of these two cards are mentioned…
If anyone has it please share… or a snapshot regarding the rewards structure will also do

https://www.online.citibank.co.in/portal/newgen...
You can find the complete reward structure of any card in the TnC section on their website. I know no one cares about reading it though laughing

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guest_999 wrote:

Amex(especially MRCC) is anyway LTF, all you need to do is make a call to customer care & give an excuse. wink

Sab kaha itna chuna laga payege bhai..
This need high level of convincing skills and expertise in patience..
1 saal 2 saal free karege.. fir dekhege ki har saal ka yahi rona hai..
to fir band kar denge waiver dena… stuck_out_tongue

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