First Citizen Citi Credit Card – Benefits, Fees & Eligibility

Introduction

The First Citizen Citi Credit Card, issued by Citibank, is positioned as an entry-level credit card primarily focused on shopping benefits. It offers accelerated reward points on spending at Shoppers Stop and its associated brands, a nominal annual fee that can be waived based on spend, and convenient, instant redemption of reward points directly at Shoppers Stop.

Welcome Benefits

• 3 Shoppers Stop vouchers worth Rs. 500 each, redeemable on a minimum bill of Rs 5000 at Shoppers Stop and Home Stop.
• An e-gift voucher of Rs 250 redeemable online at www.shoppersstop.com.
• A Shopper Stop voucher worth Rs 500, redeemable on a minimum bill of Rs 2500 at Shopper Stop retail stores only.
• 500 First Citizen Reward Points on your first spend within 30 days of card issuance.

Fees

• Joining Fee: Rs. 500 + GST
• Annual Fee: Rs. 500 + GST
• Spend-Based Waiver: The renewal fee will be waived off if you spend Rs. 30,000 or more in the previous year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 3.75% per month.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on Authorized IOCL Outlets.
• Cash Advance Charges: 2.5% of the transacted amount or Rs. 500 (whichever is higher).

Rewards

Reward Points Earning

• 14 First Citizen Reward Points on every Rs. 200 spent at Shoppers Stop on private brand apparel.
• 10 First Citizen Reward Points on every Rs. 200 spent at Shoppers Stop on other brands.
• 10 First Citizen Reward Points on every Rs. 200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox.
• 2 First Citizen Reward Points on every Rs. 200 spent on other purchases.

Movie & Dining

• Up to 20% discount on dining at various participating restaurants.
• 20% instant savings on Eazydiner.
• Up to 50% instant savings on Zomato.

Travel

• Up to 15% discount and cashback on flights through Makemytrip, booking.com, and many more.
• Assured instant savings for flight bookings on Makemytrip.
• 10% cashback on booking.com.
• Save up to 15% on Vista Rooms.

Domestic Lounge

• Not applicable.

International Lounge

• Not applicable.

Golf

• Not applicable.

Insurance Benefits

• Not applicable.

Lifestyle & Other Privileges

• Complimentary parking at Shoppers Stop.
• Access to more than 26,000 exciting offers and privileges on travel, shopping, hotels, entertainment, golf, spas, and much more in India and 30+ other countries.

Rewards Redemption Guide

• 1 First Citizen Reward Point = Rs. 0.60.
• The reward points earned are automatically added to your Shoppers Stop First Citizen account.
• Points can be redeemed instantly through www.shoppersstop.com, Shoppers Stop Mobile App, or by visiting the store.
• Points can also be redeemed against purchases at Homestop, Arcelia, Estee Lauder, Bobbi Brown, M.A.C, Clinique, Jo Malone & Smashbox stores in India.
• You can make part payment using reward points and part payment with cash if you don’t have enough points for a particular purchase.
• Reward points for a particular month are automatically transferred to Shoppers Stop by the 10th of the next month.
• First Citizen Reward Points never expire.

Card Review

• Overall Verdict: The First Citizen Citi Credit Card is a strong choice for individuals seeking exclusive benefits, particularly in the shopping category. It offers significant value through its First Citizen reward points and shopping vouchers.
• Pros:
  • High reward point value (1 First Citizen RP = Rs. 0.60).
  • Instant and flexible redemption options for reward points at Shoppers Stop and associated brands.
  • A nominal annual fee that can be easily waived off with a reasonable annual spend.
  • Provides opportunities to save across shopping, dining, and travel categories.
  • Reward points have no expiration date.
• Who should apply: This card is ideal for frequent shoppers at Shoppers Stop and its partner brands, as well as those looking for an entry-level credit card that offers substantial shopping-centric rewards and benefits.

Important Product Details

• Receive 500 First Citizen Points on your first purchase if done within 30 days after receiving the card.
• Earn 14 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on private brand apparel.
• Earn 10 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on other brands.
• Earn 2 First Citizen Reward Points on every Rs. 200 spent on other purchases.
• The annual fee is waived off on spending Rs. 30,000 or more in the previous year.
• Enjoy complimentary parking at Shoppers Stop.
• Benefit from a 1% fuel surcharge waiver.
• Get up to a 20% discount on dining at various participating restaurants.
• Receive up to 15% discount and cashback on flights through Makemytrip, booking.com, and other platforms.
• Reward points are automatically transferred to the Shoppers Stop account by the 10th of the next month.
• First Citizen Reward Points never expire.

Other Details

• The exact joining fee will be discussed at the time of card sourcing.