First Citizen Citi Credit Card

Discover the perks of the First Citizen Citi Credit Card, a foundational Citibank offering with an affordable annual fee of just Rs. 500. Enjoy a wealth of benefits, including Rs. 300 worth of First Citizen Reward Points as a welcome gift. Earn 2 First Citizen points on every Rs. 200 spent, with up to 7x points on Shoppers Stop purchases. Redeem your points easily—1 First Citizen RP equals Rs. 0.60. Beyond shopping advantages, relish discounts and a spend-based annual fee waiver. Spend over Rs. 30,000 in the previous year to have your annual fee waived. This card ensures a multitude of benefits beyond just shopping.

Key Highlights of First Citizen Citi Credit Card

Unlock unparalleled benefits with the First Citizen Citi Credit Card.

  1. Earn 500 First Citizen Points with your first purchase within 30 days of receiving the card.
  2. Get 14 First Citizen Reward points for every Rs. 200 spent at Shoppers Stop on private brand apparel.
  3. Receive 10 First Citizen Reward points for every Rs. 200 spent at Shoppers Stop on other brands.
  4. Earn 2 First Citizen Reward Points for every other Rs. 200 spend.
  5. Enjoy an annual fee waiver by spending Rs. 30,000 or more in the previous year.
  6. Benefit from additional privileges like complimentary parking at Shoppers Stop.
  7. Avail a 1% fuel surcharge waiver on your card transactions.

Features and Benefits of First Citizen Citi Credit Card

The First Citizen Citi Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive 3 Shoppers Stop vouchers worth Rs. 500 each, applicable on a minimum bill of Rs 5000 at Shoppers Stop and Home Stop.
  • Enjoy an e-gift voucher of Rs. 250, redeemable online at www.shoppersstop.com.
  • Avail a Shoppers Stop voucher worth Rs. 500, usable on a minimum bill of Rs. 2500 at Shoppers Stop retail stores.
  • Earn 500 First Citizen reward points on your initial spend within 30 days of card issuance.

2. Rewards:

  • Gain 14 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on private brand apparel.
  • Receive 10 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on other brands.
  • Get 10 First Citizen Reward points on every Rs. 200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo
  • Malone & Smashbox.
  • Earn 2 First Citizen Reward Points on every Rs. 200 spent on other purchases.
  • Redeem 1 First Citizen Reward Point for Rs. 0.60.

3. Rewards Redemption:

  • Points automatically added to your Shoppers Stop first citizen account.
  • Instant redemption through www.shoppersstop.com, Shoppers Stop Mobile App, or in-store.
  • Redeem points against purchases at Homestop, Arcelia, Estee Lauder, Bobbi Brown, M.A.C, Clinique, Jo Malone & Smashbox stores in India.

4. Travel Benefits:

  • Assured instant savings on flight bookings with Makemytrip.
  • 10% cashback on booking.com.
  • Save up to 15% on Vista Rooms.

5. Dining Benefits:

  • Enjoy 20% instant savings on Eazydiner.
  • Up to 50% instant savings on Zomato.
  • Up to 20% discount at numerous participating restaurants.

6. Other Benefits:

  • Over 26,000 offers and privileges on travel, shopping, hotels, entertainment, golf, spas, etc., in India and 30+ other countries.
  • Complimentary parking at Shoppers Stop for First Citizen Citizen Citi credit cardholders.

First Citizen Citi Credit Card Fees and Charges

Explore the fee structure for the First Citizen Citi Credit Card and discover the financial advantages that come with it.

1. Interest Charges:

  • Monthly interest rates can reach up to 3.50%, equivalent to an annual rate of 42%.

2. Joining/Annual Fees:

  • Fees will be communicated during the application process.

3. Renewal Fee:

  • Renewal fees are subject to the bank’s norms at the time of renewal.

4. Annual Fee Waiver:

  • Enjoy no annual fees if annual spending reaches or exceeds Rs 30,000.

Eligibility Criteria for First Citizen Citi Credit Card

Here are essential criteria for applying for an First Citizen Citi Credit Card:

  1. Eligible applicants must fall into either the self-employed or salaried category.
  2. The applicant’s age should be at least 18 years, and they must be a citizen of India.
  3. A prerequisite is a solid credit score for successful application.

Documents Required for First Citizen Citi Credit Card

To apply for the First Citizen Citi Credit Card, you will typically need to provide the following documents:

1. KYC Documents:

  • Provide either a PAN card or complete Form 60.

2. Income Proof:

  • Include income proof, such as salary slips or Income Tax Returns (ITR) Form 16.

3. Proof of Residence:

  • Submit one of the following: Passport, Driving License, Ration Card, Electricity Bill, or Landline Telephone Bill.

How to apply for First Citizen Citi Credit Card

Follow these steps to apply for the First Citizen Citi Credit Card:

1. Visit the Official Website:

  • Go to the official website of Citibank or the First Citizen program.

2. Navigate to Credit Cards Section:

  • Locate the “Credit Cards” section on the website.

3. Choose First Citizen Citi Credit Card:

  • Look for the specific First Citizen Citi Credit Card you are interested in applying for.

4. Check Eligibility:

  • Review the eligibility criteria for the credit card. Ensure you meet the required conditions, such as income, age, and credit score.

5. Fill Out the Online Application Form:

  • Complete the online application form with accurate personal and financial information. This may include your name, contact details, employment details, and income.

6. Submit Supporting Documents:

  • Upload or submit the necessary documents, such as proof of identity, address, and income. The specific requirements may vary, so check the details provided during the application process.

7. Review Terms and Conditions:

  • Carefully read and understand the terms and conditions associated with the First Citizen Citi Credit Card. This includes interest rates, fees, and any rewards or benefits.

8. Agree to Terms and Submit Application:

  • If you agree to the terms, submit your application. Some banks may provide an instant decision, while others may take some time to process your application.

9. Wait for Approval:

  • Once you’ve submitted your application, wait for the bank’s approval. You may receive communication via email or SMS regarding the status of your application.

10. Receive the Credit Card:

  • If your application is approved, the bank will dispatch the First Citizen Citi Credit Card to your registered address. Activate the card as per the instructions provided.

Frequently Asked Questions (FAQs)

1. What is the First Citizen Citi Credit Card?

The First Citizen Citi Credit Card is a credit card offered by Citibank in partnership with First Citizen, providing customers with a range of benefits, rewards, and exclusive privileges.

2. How can I apply for the First Citizen Citi Credit Card?

You can apply for the First Citizen Citi Credit Card online through the official Citibank website or by visiting a Citibank branch. Ensure you meet the eligibility criteria and provide the required documents.

3. What are the eligibility criteria for the First Citizen Citi Credit Card?

Eligibility criteria may vary, but typically include factors such as age, income, and credit score. Check with Citibank for specific details on eligibility requirements.

4. What are the key features of the First Citizen Citi Credit Card?

The card offers features such as reward points on purchases, cashback, travel benefits, dining privileges, and exclusive offers with First Citizen.

5. How does the rewards program work?

The First Citizen Citi Credit Card usually has a rewards program where you earn points for every purchase. These points can be redeemed for various rewards such as merchandise, gift vouchers, or travel benefits.

6. What is the credit limit on the First Citizen Citi Credit Card?

The credit limit is determined by Citibank based on your creditworthiness, income, and other relevant factors. It may vary from customer to customer.

7. Are there any annual fees or hidden charges?

Check the terms and conditions provided by Citibank for details on annual fees, interest rates, and any other applicable charges. Some credit cards may have an annual fee, while others may offer fee waivers based on usage.

8. How can I check my credit card statement and outstanding balance?

You can access your credit card statement and check your outstanding balance through the Citibank online banking portal, mobile app, or by contacting the customer service helpline.

9. What security features are in place for the First Citizen Citi Credit Card?

Citibank employs various security measures such as fraud detection, transaction alerts, and secure online access to ensure the safety of your credit card.

10. What should I do if my First Citizen Citi Credit Card is lost or stolen?

Immediately contact Citibank’s customer service helpline to report the loss or theft of your card. Citibank will guide you through the process of blocking the card and issuing a replacement.