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

    The First Citizen Citibank Titanium Card is a credit card which is brought to you by the bank in collaboration with Shoppers Stop. The card is curated in such a way to provide you with the best offers and deals on your shopping expenses and purchases. This credit card comes with a wide range of discount offers and reward points benefits on each purchase you make, whether it is in-store or online.

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    Key Highlights of the First Citizen Citibank Titanium Credit Card

    • The annual fee will be waived if purchases exceed Rs.30,000.
    • Welcome benefits of up to Rs.2,050.
    • Accelerated reward points on shopping at Shoppers Stop.
    • Instant redemption of First Citizen reward points against purchases made at Shoppers Stop.
    • For every Rs.100 spent, 1 First Citizen point will be given.

    Features and Benefits of the First Citizen Citibank Titanium Credit Card

    Welcome Offers:

    • Shoppers Stop vouchers worth Rs.250 can be redeemed for purchases done during the first month of card issuance. A minimum spends of Rs.1,000 is required to redeem one voucher at Shoppers Stop.
    • Customers can also redeem Shoppers Stop vouchers worth Rs.500 on when online purchases worth Rs.2,500 or above are made.
    • Purchase any product elsewhere within 30 days of card issuance and get vouchers worth Rs.350 for 500 rewards points.
    • Enjoy attractive Shoppers Stop promotional offers and special previews into sale events.
    • Get complimentary parking services at Shoppers Stop outlets. Visit the First Citizen Desks at Shoppers Stop to know more about these services.

    Reward Point Benefits

    • Citibank waives off the annual fee for purchases of Rs.30,000 and above done with the credit card. For purchases below Rs.30,000, the annual fee charged is Rs.500.
    • Earn up to 7 First Citizen Points for every Rs.100 spent at Shoppers Stop outlets. Redeem 1 reward point for every Rs.0.70 spent.
    • Earn 1 First Citizen Point for every Re.1 spent anywhere else. By default, customers can earn 5 First Citizen Points for spends at Shoppers Stop and get two additional points for purchases on preferred retail brands.

    Citibank Benefits (Concierge and Dining):

    Citibank offers exclusive privileges to First Citizen Citibank Titanium Credit Cardholders with personal concierge services for planning parties, dinner reservations or any kind of travel assistance. Customers can also enjoy attractive dining discounts of up to 20% at top restaurants, shopping privileges and EMI options at over 2000 retail outlets in India.

    For more details follow this link - Citi Credit Card Detailed T&Cs

    Fees and Charges for the First Citizen Citibank Titanium Credit Card

    Annual Fee Rs 0 for spends of Rs.30,000 / Rs.500 for spends lesser than Rs.30,000.
    Annual Fee Rs 0 for spends of Rs.30,000 / Rs.500 for spends lesser than Rs.30,000.
    Interest Rate 3.25% per month
    Cash Advance Fees 2.5% of the amount withdrawn at ATMs in India/ US$7.5 at ATMs worldwide. (subject to a minimum of Rs.500).
    Statement Request Charge Rs.100 per request.
    Overlimit Charges 2.5% of the amount over the credit limit. Subjected to a minimum of Rs.500.
    Late Payment Charges Ranges from Rs.450 – Rs.950, depending on the outstanding balance.
    Fuel Transaction Charge 1% of the transaction amount subjected to a minimum of Rs.10.
    Return Cheque Charge Rs.500 per returned cheque.
    Reissue of lost, damaged or stolen card Rs.100
    Supplementary Card Fee Nil
    Outstation Cheque Charge Amount up to Rs.10,000 – Rs.50 per cheque
    Rs.10,001 to Rs.1,00,000 – Rs.100 per cheque
    Above Rs.1,00,000 – Rs.150 per cheque
    Emergency Card Replacement Available

    First Citizen Citibank Titanium Credit Card FAQs

    1. 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.

    2. 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.

    3. How does the PayLite balance transfer Program from Citibank work?

      Citibank offers this service to customers transferring their existing credit card balances from other banks at half the interest rates with an EMI repayment plan. The interest rate charged by Citibank is 12% per annum with absolutely no paperwork required.

    4. Can I convert my outstanding credit card balance into EMIs?

      Yes. Citibank provides you with the option of changing your existing First Citizen Citibank Titanium Credit Card balance into monthly installment with lower interest rates.

    5. How do I get an instant loan on my First Citizen Citibank Titanium 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.

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