First Citizen Citi Credit Card

Card Details

7 First Citizen Points per Rs.100 spent at ShoppersStop for private label brands.
5 First Citizen Points per Rs.100 spent at ShoppersStop for other brands.
1 First Citizen Point per Rs.100 spent elsewhere.
Instant redemption of First Citizen Points against purchases made at ShoppersStop.
Exclusive preview to the ShoppersStop In-Store Sale and promotional events.
Additional offers during the ShoppersStop End of Season Sale and the Choose Your Own Gift campaign.
Offers from leading brands like Apple, MakeMyTrip, Zomato, Airbnb, Samsung, Indigo, etc.
Welcome gift of worth Rs. 1750 on card activation.
Enjoy the convenience of personalized attention at exclusive payment counters for you.
Enjoy complimentary parking at Shoppers Stop.
Up to 20% savings across 2000 restaurants.

Pros	Cons
High Reward Rate Emergency Card Replacement Instant Loan Available on the Card Personal Concierge Services	No Annual Fee Waiver No Lounge Access No Reward Points

Annual Fee: Rs. 500
Joining Fee: Rs. 500
Add-on Card fee: Nil
Interest Rate (initial rate at card issuance): 3.25% (monthly) or 39% (annual). The rate of interest varies between 3.10% p.m. (i.e. 37.20% p.a.) and 3.50% p.m. (i.e. 42.0% p.a.). This rate is dynamic and changes periodically based on parameters like repayment pattern, utilization, spending, etc. The maximum interest rate, in the event of default, is 3.5% p.m. or 42% p.a.
Cash Advance fee: 2.5% on the advanced amount, subject to a minimum of Rs.500 and US$7.5 at International ATMs.
Late Payment Charge: Rs. 100 per month
Overlimit charge 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
Fuel Surcharge: 2.5% waived at Indian Oil outlets for transactions done on Citibank EDCs, subject to a minimum of Rs.10.
Railway Ticket Booking or Cancellation Surcharge: 1.8% of the transaction value for regular transactions and 2.8% of the transaction value for 3 EMI transactions through online booking at irctc.co.in. And, 2.5% of transaction value on bookings through railway counters, subject to a minimum of Rs.25.
Card Replacement fee: Nil
Foreign Currency Transaction: Mark up of 3.5%, plus ST

7 First Citizen Points (5 from Shoppers Stop and 2 from Citibank) per Rs.100 spent at Shoppers Stop for private label brands.
5 First Citizen Points (3 from Shoppers Stop and 2 from Citibank) per Rs.100 spent at Shoppers Stop for other brands.
1 First Citizen Point per Rs.100 spent elsewhere. Instant redemption of First Citizen Points against purchases made at Shoppers Stop. 1 Reward Point = Rs.0.6 for redemption

Reward Rate: Rs. 0.60 per Rs. 100 spend

2 Shoppers Stop vouchers worth Rs.250 each redeemable at Shoppers Stop within the first month of Card issuance against a single cash memo for a minimum of Rs.2,500 at ShoppersStop In-Store purchase.
Joining fee waiver of Rs. 500 on annual spend of at least Rs. 30,000.