First Citizen Citi Credit Card
Rewards & Benefits
Welcome Benefits
Customers get 500 First Citizen points worth Rs.300 on their first spend within 30 days of card issuance.
Milestone Benefits
Cashback Rate
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%).
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
INR 500 + GST.
Annual Fee
s: Zero Annual fees on annual spends of Rs 30,000 or more.
Cash Advance Fee
2.5% of the transacted amount or Rs. 500 (whichever is higher).
Interest rate
3.75% per month (i.e., 45.00% annualized)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5% on all foreign currency spends.
Other Fees
Cash Advance Charges: 2.5% of the transacted amount or Rs. 500 (whichever is higher).
Cons
Low rewards outside Shoppers Stop.
It has limited benefit categories.
No travel benefits are provided.
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.
Rewards & Benifits
Welcome Benefits
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Rewards System
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Welcome Benefits and Reward System
Special Features
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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.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
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.
Contact Details
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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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.
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
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
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Fuel Surcharge
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Billing Cycle
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