First Citizen Citi Credit Card – Benefits, Fees & Eligibility

First Citizen Citi Credit Card

Introduction

The First Citizen Citi Credit Card offers a range of benefits across shopping, travel, and dining categories. Positioned as a fundamental Citibank credit card, it comes with a nominal annual fee of Rs. 500, which can be waived based on spending. Cardholders can earn up to 14 First Citizen Reward Points on every Rs. 200 spent at Shoppers Stop and 2 points on all other purchases. These reward points boast a high value of Rs. 0.60 per point and can be easily redeemed instantly at Shoppers Stop and its partner stores. Additionally, the card provides welcome benefits including Shoppers Stop vouchers and bonus reward points, making it an attractive option for frequent shoppers.

Welcome Benefits

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

Fees

• Joining Fee: Rs. 500 + GST
• Renewal 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: 1% fuel surcharge, waived on Authorized IOCL Outlets.
• Cash Advance Charges: 2.5% of the transacted amount or Rs. 500, whichever is higher.

Rewards

• Best Suited For: Shopping.
• Reward Type: N/A (as specified in one section, though the card clearly earns First Citizen Reward Points).
• 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 10 First Citizen Reward Points on every Rs. 200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox stores in India.
• Earn 2 First Citizen Reward Points on every Rs. 200 spent on all other purchases.

Movies & Dining

• Get up to a 20% discount on dining at various participating restaurants.
• Enjoy 20% instant savings on Eazydiner.
• Receive up to 50% instant savings on Zomato.

Travel

• Get up to 15% discount and cashback on flights through Makemytrip, booking.com, and many more.
• Assured instant savings for flight bookings on Makemytrip.
• Receive 10% cashback on booking.com.
• Save up to 15% on Vista Rooms.
• Benefit from exciting discount offers on flight and hotel bookings.

Lounge Access

• Domestic Lounge Access: N/A
• International Lounge Access: N/A

Golf

• N/A

Insurance Benefits

• N/A

Lifestyle Benefits

• Enjoy complimentary parking at Shoppers Stop.

Rewards Redemption Guide

• Reward Value: 1 First Citizen Reward Point = Rs. 0.60.
• The reward points you earn are automatically added to your Shoppers Stop First Citizen account.
• You can redeem points instantly through www.shoppersstop.com, the Shoppers Stop Mobile App, or by visiting any Shoppers Stop 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 have the option to make part payment using cash and part payment using reward points if you don't have enough points for a full purchase.
• First Citizen Reward Points never expire.
• Reward points for a particular month will be automatically transferred to Shoppers Stop by the 10th of the next month.

Card Review

The First Citizen Citi Credit Card stands out as a strong choice for individuals who are frequent shoppers, particularly at Shoppers Stop and its affiliated brands. It offers a highly rewarding points system, providing up to 14 First Citizen Reward Points on specific Shoppers Stop purchases and a solid 2 points on other spends, all valued at an excellent rate of Rs. 0.60 per point. The card's welcome benefits, including multiple Shoppers Stop vouchers and bonus reward points, add substantial initial value. With a nominal annual fee that is easily waivable with a spend of Rs. 30,000, it presents a cost-effective solution for maximizing savings. The instant redemption options at Shoppers Stop, along with the assurance that reward points never expire, make this card incredibly flexible and user-friendly. Beyond shopping, it delivers attractive discounts on dining and travel, making it a versatile tool for everyday savings.

Important Product Details

• Specifically designed for shopping, especially at Shoppers Stop and its associated brands.
• Offers competitive reward rates, with up to 14 First Citizen Reward Points on every Rs. 200 spent on Shoppers Stop private brand apparel.
• Reward points are highly valued at Rs. 0.60 per point.
• First Citizen Reward Points never expire, ensuring long-term utility.
• The annual fee of Rs. 500 + GST can be waived if you spend Rs. 30,000 or more in the previous year.
• Provides significant discounts on dining (up to 50% on Zomato) and travel (up to 15% on various booking platforms).
• Includes a 1% fuel surcharge waiver at Authorized IOCL Outlets.
• Cardholders receive complimentary parking at Shoppers Stop.
• Foreign currency transactions incur a markup of 3.5%.
• The card carries a monthly interest rate of 3.75%.

Other Details

• The card provides access to more than 26,000 exciting offers and privileges on travel, shopping, hotels, entertainment, golf, spas, and much more, available in India and over 30 other countries.
• Complimentary parking at Shoppers Stop is among the additional perks.