First Citizen Citi Credit Card

  • Joining Fee: Rs. 500 (plus applicable taxes)
  • Renewal Fee: Rs. 500 (plus applicable taxes)
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 3 Shoppers Stop vouchers worth Rs. 500 each, and 500 First Citizen Reward Points on your first transaction.
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The First Citizen Citi Credit Card comes with exciting offers on shopping, travel, and several other categories. Being one of the basic Citibank credit cards, it comes with an annual fee of just Rs. 500 and provides great welcome benefits, including First Citizen Reward Points worth Rs. 300, and many more. You get 2 First Citizen reward points on every Rs. 200 spent on all purchases, and upto 7x reward points on making purchases at shoppers’ stop. The reward points you earn can be easily redeemed against a variety of products or at the Shoppers stop, where 1 First Citizen RP = Rs. 0.60, i.e., 10 reward points will give you 6 rupees, which is not at all bad. Other than shopping benefits, this card provides exciting discount offers on shopping, etc. Spend based annual fee waiver is also provided, according to which you get your annual fee waived off on spending over Rs. 30,000 in the previous year. The First Citizen Citi credit card can provide you with various other benefits as well. To know all of them, keep reading the detailed information given below:

New Features

Spend Based Waiver

You can get the renewal fee waived off if you spend Rs. 30,000 or more in the previous year.

Interest Rates

3.75% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge which is waived on Authorized IOCL Outlets

Foreign Currency Markup

3.5% on all foreign currency spends

Cash Advance Charges

2.5% of the transacted amount or Rs. 500 (whichever is higher)

Movie & Dining

Get up to a 20% discount on dining at various participating restaurants.


Up to 15% discount and cashback on flights through Makemytrip,, and many more.

International Lounge Access


Rewards Rate

14 First Citizen Reward Points on every Rs. 200 spent at Shoppers Stop and 10 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on other brands and 2 First Citizen Reward Points on every other spend of Rs. 200.



Insurance Benefits


Reward Redemption

The First Citizen points earned will be automatically transferred to the Shoppers stop, and you can redeem the points available at Shoppers Stop instantly. 1 First Citizen Point = Re. 0.60.

Domestic Lounge Access


Zero Liability Protection

You get zero liability protection in case of a lost/stolen card once you report your loss to the Citi Bank through their 24×7 helpline number.


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