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.
Add to Compare

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.


No data available


No data available

Similar Cards

Add to Compare

Kotak Zen Signature Credit Card

Kotak Zen Signature credit card is a card issued by Kotak Mahindra Bank, that provides you with exclusive shopping, travel, and milestone benefits on your purchases. As a welcome benefit, you get 1500 Zen points on the payment of the joining fees. You can earn up to 15 Zen Points on every Rs 150 spent on KayMall. You get 8 complimentary domestic lounge access annually and 3 complimentary international lounge access with Priority Pass membership. Also, you get several other benefits such as a fuel surcharge waiver of 1%, Spend based waiver on the spending of Rs  1,50,000 in a year, and priority attend services. Read below to know more about this credit card

View More
Add to Compare

HSBC Premier MasterCard Credit Card

The Premier Mastercard credit card is an exclusive offering by HSBC for its customers who maintain the Premier relationship with the bank in India. As is obvious from the name, the card is powered by MasterCard and is complimentary for the Premier customers of the bank. As introductory benefits, the customers can get complimentary Taj Epicure membership and a free night stay at taj hotels. The card earns you Reward Points at a decent reward rate that are redeemable against various products and airline miles. You also get many other travel, dining, and lifestyle benefits, such as complimentary airport lounge access, free golf sessions, etc. We have discussed in detail all the features and benefits that come bundled with this card in this article. Read on to learn more about this Premier exclusive offering by HSBC.

View More
Add to Compare

Bank of Baroda ( BoB ) Easy Credit Card

For those who wish to own a credit card without heavy joining and renewal fees, not to worry, we are here to help you. The Bank of Baroda offers you one such card having zero joining and renewal fee, that is, Bank of Baroda Easy Credit Card. This card is perfect for daily spending as it will earn you reward points in return. You earn 5 reward points on spending Rs. 100 on movies, groceries, and departmental stores. This card offers you a cash-back of 0.5% on the payment of the card bill. Moreover, this card covers zero liability protection on the loss of the card. To learn more about the card, kindly read the below-given features and benefits.

View More