Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • First Citizen Citi Credit Card

    The Citibank First Citizen Citi Credit Card was curated to make your shopping experiences easier and hassle-free.

    Key Benefits of the First Citizen Citi Credit Card

    • Get 10 First Citizen Reward Points when you spend Rs.200 on other brands at Shoppers Stop.
    • Save up to 20% savings at partner restaurants.
    • You get a surcharge waiver of 1% on your fuel expenses at IndianOil petrol stations.

    Benefits of the First Citizen Citi Credit Card

    Welcome benefits:
    • Receive 500 First Citizen points taht are worth Rs.300 when you first swipe the card within 30 days of it being issued.
    Spend-based benefits:
    • You do not have to pay the annual fee if you spend Rs.30,000 or more during the previous year.
    Fuel benefits
    • You get a surcharge waiver of 1% on your fuel expenses at IndianOil petrol stations.
    Dining benefits
    • Save up to 20% savings at partner restaurants.
    • To know more, visit the Citibank website.
    Reward points benefits:
    • Get 14 First Citizen Reward Points when you spend Rs.200 spent on private brands at Shoppers Stop.
    • Get 10 First Citizen Reward Points when you spend Rs.200 on other brands at Shoppers Stop.
    • Get 2 First Citizen Reward Points when you spend Rs.200 on other expenses.
    • Receive 10 First Citizen Reward Points when you spend Rs.200. at Arcelia, Homestop, Clinique, M.A.C, Bobbi Brown, Estee Lauder, Smashbox, and Jo Malone.

    First Citizen Citi Credit Card Fees and Charges

    Fee Type Charges
    Joining fee and Annual fee Would be informed by the bank at the time of sourcing the card
    Cash advance fee 2.5% of the amount withdrawn or a minimum amount of Rs.500
    Late payment fee If the statement balance is
    • Up to Rs.2,000 - NIL
    • Above Rs.2,000 and up to Rs.7,500 - Rs.600
    • Above Rs.7,500 and up to Rs.15,000 - Rs.950
    • Above Rs.15,000 - Rs.1,300
    Over credit limit fee 2.5% on the amount which will be over the credit limit. The minimum will be Rs.500. (The amount will exclude charges, taxes and fees).
    Cheque return or bounce fee Rs.500 per returned cheque
    Railway ticket booking surcharge 1.8% of the transaction value
    Re-issue of the card NIL

    Documents Required to Apply for First Citizen Citi Credit Card

    For Salaried and Self-employed applicants

    • Proof of address
    • Proof of identity
    • One colour photograph
    • Shoppers Stop loyalty, membership number

    First Citizen Citi Credit Card FAQs

    1. What is the foreign currency mark-up fee on this First Citizen Citi Credit Card?

      The foreign currency mark-up fee on this First Citizen Citi Credit Card is 3.50% of the amount transacted.

    2. When will my accrued First Citizen points be transferred to my account?

      Citibank transfers accrued points to First Citizen Accounts with Shoppers Stop by the 10th of every month.

    3. Are these First Citizen points readily available for redemption to customers?

      Yes, transferred First Citizen points can be instantly redeemed by customers at Shoppers Stop outlets.

    4. How do I get an instant loan on my First Citizen Citi Credit Card?

      Citibank offers instant loans above the credit limit with no documentation and with repayment tenures ranging from 6 to 48 months. The loan will be approved by Citibank and a copy will be dispatched to the customer’s postal address within 3 working days.

    5. Do self-employed people also have to submit the same documents?

      Yes, self-employed persons should also submit the same documents as a salaried person.

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