First Citizen Citi Credit Card

First Citizen Citi Credit Card is a shopping credit card from Citi Bank. 1 RP = ₹0.6.

Joining fee: ₹500 + taxes
Annual fee: Nil
Forex markup: 3.5% on all foreign currency spends
Interest: 3.75% per month (i.e., 45.00% annualized)

More Citi cards

Welcome benefits

Customers get 500 First Citizen points worth ₹300 on their first spend within 30 days of card issuance

Rewards & cashback

1 RP = ₹0.6
Customers get 14 First Citizen Reward Points/₹200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every ₹100 spent, Cashback Rate:4.2%)
10 First Citizen Reward Points/₹200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every ₹100 spent, Cashback Rate: 3%)
10 First Citizen Reward Points/₹200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%)
2 First Citizen Reward Points/₹200 on other spends (Effective Cashback Rate: 0.6%)

More benefits & features

20% instant savings on Eazydiner
Dining privileges,
Complimentary upgrade to Golden Glow tier First Citizen membership

Fees & charges

Joining fee: ₹500 + taxes
Annual fee: Nil
Foreign currency markup: 3.5% on all foreign currency spends
Interest rate: 3.75% per month (i.e., 45.00% annualized)
Late payment: Ranges from ₹100 to ₹1300
Cash advance: 2.5% of the transacted amount or ₹500 (whichever is higher)
Fuel surcharge: 1% (+GST) fuel transaction charge (or surcharge) is levied by the merchant's Bank
Billing cycle: 30Days
Other fees: 2.5% of the transacted amount or ₹500 (whichever is higher)

Pros and cons

What works well

Customers get 500 First Citizen points worth ₹300 on their first spend within 30 days of card issuance 1 RP = ₹0.6.
Customers get 14 First Citizen Reward Points/₹200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every ₹100 spent, Cashback rate:4.2%). 10 First Citizen Reward Points/₹200 spent at Shoppers…
Dining privileges, Complimentary upgrade to Golden Glow tier First Citizen membership

Worth knowing

Low rewards outside Shoppers Stop
It has limited benefit categories
No travel benefits are provided

Who can apply

The applicant should be between 23 and 60 years of age
The applicant should be either salaried or self-employed and have a decent credit score
The minimum income requirement for salaried individuals is not available in the search results
The minimum income requirement for self-employed individuals is not available in the search results

How to apply

Online: You can apply for the card directly on the Citibank India website https://www.online.citibank.co.in/credit-card/rewards/citi-shoppers-stop-first-citizen-credit-card
In-Branch: You can visit any Citibank branch and apply for the card with the help of a customer service representative

Details come from information published by Citi Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.