top of page

First Citizen Citi Credit Card

MyRupaya Ratings
औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

First Citizen Citi Credit Card

Bank Name :

CITI Bank

प्रकार

Shopping Credit Card

ब्याज दर

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

पात्रता

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
पेशेवरों

  • 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. 

दोष

  • Low rewards outside Shoppers Stop.

  • It has limited benefit categories.

  • No travel benefits are provided.

पक्ष विपक्ष
Welcome Benefits

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

पुरस्कार प्रणाली

  • 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%). 

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

IFM: 3.5% on all foreign currency spends.

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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.

फ़ायदे

  • Great rewards at Shoppers Stop.

  • Wide redemption options.

  • Dining Benefits.

  • Shoppers Stop First Citizen membership benefits.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
सम्पर्क करने का विवरण

​

खाता खोलने की प्रक्रिया और प्रक्रिया

​

​

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

  • 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. 

  • Low rewards outside Shoppers Stop.

  • It has limited benefit categories.

  • No travel benefits are provided.

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.

First Citizen Credit Citi Card Review

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • 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.

ईंधन अधिशुक्ल

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

Billing Cycle

30Days

फीस एवं प्रभार
bottom of page