First Citizen Citi Credit Card: Features & Benefits

Summary

First Citizen Citi credit card is one of the best options for frequent shoppers at Shoppers Stop, providing exclusive rewards, discounts, and privileges. Users can earn 7 reward points for every ₹100 spent at Shoppers Stop and 1 reward point on any other purchase, thus making each transaction rewarding. Further, these points are redeemed to shop at Shoppers Stop for future purposes, thus raising the value effectively.

Apart from this, a complimentary First Citizen Membership is offered that gives early sale access, exclusive previews, and special discounts to cardholders. New card holders are also being welcomed with gift vouchers for Shoppers Stop, thereby enjoying extra savings in the beginning stage. The EMI conversion option is very flexible with any large purchase being broken down into manageable monthly payments.

Also, it has a fuel surcharge waiver, which saves on fuel expenses at selected petrol stations in India. First Citizen Credit Card is ideal for shoppers who want to maximize their savings and enjoy the premium shopping benefits.

Introduction

The most special thing about the First Citizen Citi Credit Card is that it has been designed in collaboration with Shoppers Stop. Shoppers at Shoppers Stop get special discounts and offers through First Citizen Credit Card. Every time you shop through the First Citizen Credit Card, you get reward points, which you can redeem later. This not only makes your shopping more fun but also gives you a chance to save.

Another benefit of the First Citizen Credit Card is that you get exclusive free delivery and customer privileges at Shoppers Stop stores. Apart from this, you can also get special discounts on different categories like fashion, home décor, beauty products etc. First Citizen Credit Card gives you additional benefits especially when you shop during special events or festivals.

In today’s article, we will discuss in detail about First Citizen Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of First Citizen Citi Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the First Citizen Citi Credit Card?

Credit Card is a great option for shopping enthusiasts, which not only makes their shopping comfortable but also gives many benefits with it. First Citizen Credit Card has been launched in association with Shoppers Stop, which makes it especially useful for those who often shop from this store.

A special feature of the First Citizen Credit Card is that customers get exclusive offers and discounts while shopping at Shoppers Stop. Apart from this, cardholders are also given benefits like free home delivery, special customer service, and private sales.

How is the First Citizen Citi Credit Card designed?

Credit Card designed for convenience and rewards to the card user, the typical features are usually reward points, cash back, and discounts on shopping, dining, and travel. 

The features it comes with also include security through fraud protection, as well as the option to make EMI for large purchases. Its design makes daily transactions more seamless and offers a user-friendly interface.

What are the benefits of the First Citizen Citi Credit Card?

Here are some of its primary features:

1. Reward Points:

• Earn While You Shop: For each ₹100 spent at Shoppers Stop, you earn 7 reward points. For other shopping, you get 1 reward point for each ₹100 spent.

• Redemption of Points: The reward points you have so far can be redeemed for spending at Shoppers Stop, hence saving on subsequent shopping.

2. Exclusive Discounts:

• First Citizen Membership: You also get a complimentary First Citizen membership at Shoppers Stop, so you get special sales, previews, and discounts.

3. Welcome Offers:

• Shoppers Stop Voucher: As an activation offer, you will be given Shoppers Stop vouchers so that you may enjoy extra shopping value.

4. Extra Benefits:

• Pay in Easy EMI: The large purchases get converted into easy monthly installments so that one can easily take care of all the expenses.

• Fuel Surcharge Waiver: Avail a waiver on fuel surcharges at any of the fuel stations across India, saving you travel cost.

What are the fees for the First Citizen Citi Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend 30,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a First Citizen Citi Credit Card?

The following are the primary requirements:

1. To apply for the First Citizen Citi Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Citi Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a First Citizen Citi Credit Card?

The documents that you will have to submit to Get a Citi Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the First Citizen Citi Credit Card be used?

Here is the list of places where you can use it:

• With the First Citizen Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Citi Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The First Citizen Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the First Citizen Citi Credit Card?

The credit amount you can spend is what you are provided with a First Citizen Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

How do you apply for a First Citizen Citi Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Citi Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Citi Bank; for instance, you can choose the  First Citizen Citi Credit Card.

• Just hover your cursor on the First Citizen Citi Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Citi Bank branch to apply for the Credit Card.

• Request for the credit card application form for the Citizen Citi Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Citizen Citi Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Citi Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a First Citizen Citi Credit Card in 2025 be right?

Yes, getting a First Citizen Citi Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Citi Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

Citizen Citi Credit Card is a great option for customers who want to make their shopping more profitable and comfortable. First Citizen Credit Card associated with Shoppers Stop not only enhances your shopping experience but also gives customers the benefit of great reward points, special discounts, and exclusive offers on every purchase. With its help, you do not just spend money while shopping, but you can also save something every time.

Along with this, free home delivery, access to private sales, and special customer service facilities offered through the First Citizen Citi Credit Card make it even more attractive. If you want to manage your expenses smartly along with shopping, then the First Citizen Citi Credit Card can prove to be a great option for you. Citizen Citi Credit Card can prove to be especially beneficial for Shoppers Stop customers, as it provides you some additional benefits every time you shop.

Frequently Asked Questions (FAQ’s)