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First Citizen Citi Credit Card

Product Details
Credit Card Name : 

First Citizen Citi Credit Card

Bank Name :

CITI Bank

Type :

Shopping Credit Card

Interest Rate : 

3.75% per month (i.e., 45.00% annualized)

Eligibility :

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.

First Citizen Citi Credit Card
Pros
  • Welcome Benefit: Customers get 500 First Citizen points worth Rs.300 on their first spend within 30 days of card issuance. 

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

  • Other Benefits: Dining privileges, Complimentary upgrade to Golden Glow tier First Citizen membership. 

Cons
  • Low rewards outside Shoppers Stop.

  • It has limited benefit categories.

  • No travel benefits are provided.

Pros & Cons
Welcome Benefits

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

Rewards System
  • 1 RP = Rs. 0.6. 

  • Customers get 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every INR 100 spent, Cashback Rate:4.2%). 

  • 10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every INR 100 spent, Cashback Rate: 3%). 

  • 10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%). 

  • 2 First Citizen Reward Points/Rs.200 on other spends (Effective Cashback Rate: 0.6%). 

International Forex Markup

IFM: 3.5% on all foreign currency spends.

Welcome Benefits and Reward System
Special Features

20% instant savings on Eazydiner.

Eligibility Criteria

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.

Benefits
  • Great rewards at Shoppers Stop.

  • Wide redemption options.

  • Dining Benefits.

  • Shoppers Stop First Citizen membership benefits.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Contact Details

Account Opening and Procedure
First Citizen Credit Citi Card Review

The card offers 4.2% cashback on spends done at Shoppers Stop. This is the USP of the card. Otherwise the card has limited value add features, no free movie tickets, no free lounge visits. Overall the card has limited appeal.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fees: INR 500 + GST.

  • Annual Fees: Zero Annual fees on annual spends of Rs 30,000 or more.

  • Interest Rate: 3.75% per month (i.e., 45.00% annualized).

  • Cash Advance Charges: 2.5% of the transacted amount or Rs. 500 (whichever is higher). 

  • Late Payment Charges: Ranges from INR 100 to INR 1300. 

  • Foreign Currency Mark-up Fees: 3.5% on all foreign currency spends.

Fuel Surcharge

1% (+GST) fuel transaction charge (or surcharge) is levied by the merchant's Bank.

Billing Cycle

30Days

Fees & Charges
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