First Citizen Citi Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
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
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?
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:-
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
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