Citi First Citizen Credit Card Review

Citibank has brought a new card named Citi First citizen Credit Card. This card is specially designed for frequent shoppers, you can earn big rewards from your shopping. This card also offers a number of other benefits including – Travel benefits, Discounts on dining, Fuel surcharge waiver, etc. Go through the complete article to know more about the card.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 25 – 70 yrs
    • Income: Min 3 lakh annually. 
  • For self-employed person:
    • Age: 25 – 70 yrs
    • Income: Min 3 lakh annually.
  • Good Credit Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Membership number of Shoppers Stop Loyalty Programme. 
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business


  • Joining Fee: None. 
  • Annual Fee: ₹500 (Can be waived off if you can spend ₹30,000 within a Year.)


  • Welcome Benefit :

With the issuance of the card, you will get a gift voucher of ₹2050, you can use this voucher for shopping at Home Stop and Shoppers Stop outlets. 

  • Reward points :

Citibank offers big reward points on your shopping:

You will get 14 reward points on the purchase made on private brand’s clothing, also you will get 10 reward points on other brands. These offers are applicable to spends made at Shoppers Stop outlets. Minimum transaction amount: ₹200. 

You can also earn 10 reward points on each ₹200 transactions at Arcelia, Homestop, Clinique, M.A.C, Estee Lauder, Bobbi Brown, Smashbox &Malone. 

  • Easy Redemption:

You can use your earned reward points for shopping at Shopper Stop, Arcelia, Homestop, Clinique, M.A.C, Estee Lauder, Bobbi Brown, Smashbox &Malone.

  • Travel Benefit :

You can get 10% instant savings on MakeMyTrip also you will get 10% more savings on 

  • Dining :

With this card you will get up to a 15% discount on your dining bills, this offer is applicable at most of the frontline restaurants in India including Arena Café, Breco’s, hungry tide, Landsdowne Café, lezzetli, lotus leaf, Mio Amore, etc. 

  • Fuel Surcharge Waiver :

With your Citi First Citizen Credit Card, you will get a 1% discount on fuel surcharges, this offer is applicable to every Indian Oil fuel station. 

  • Lifestyle benefit :

This card offers 1 non-movie ticket completely free with the purchase of another, this offer is applicable on the non-movie tickets booked from BookMyShow. 

  • Duty-free shopping :

With your Citi bank credit card, you will get up to a 15% discount on purchases made in duty-free stores. This offer is applicable at some selected airports including – Kolkata, Delhi, Bengaluru, and all international airports. 

  • Annual fee Waiver :

You can get a 100% discount on your annual fees, just spend ₹30,000 or more within a year and the annual fee will be waived off for the year. 

  • Lost card Liability :

This card comes with no lost card liability coverage, so if your card is lost or stolen you have to react fast and report the lost card as soon as possible before any fraud happens. 

  • EMV Chip Facility :

Your Citi First Citizen Card comes with a built-in EMV chip, this chip is specially designed for convenience and security, it adds an extra layer of security to your transaction. 

  •  Global Acceptance :

This card is accepted worldwide, which means you can use this card in any corner of the world. 

  • Other benefits:

This card offers free sale previews and free parking facilities at some selected places. 


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount. 
  • Finance Charge: 3.50% /month. 

Contact Details:

  •       Citi bank credit card customer care
    • 1860-210-2484 
    • +91-22-4955-2484
  • Citibank credit card email id:

Dispute Resolution Process:

If any fraud or unauthorized transaction happens you should follow these steps – 

  1. Block your card just by calling customer service. 
  2. Follow their instructions.
  3. If you are not satisfied with the given service you can take your complaint to the head of the customer care, you can write to him/her to   
  4. If you are still unsatisfied you can go to the head nodal officer, 

Contact no: 1800 266 2400


Mail id: 

100xGain Ratings:


Final Opinion:

This card is specially designed for those who shop frequently from Shoppers stop outlets, or from their websites. You can earn reward points from your shopping at Shoppers Stop and other partner’s outlets, and the points can be redeemed only with the partner’s brands. So, if you shop frequently from shopper’s stop then you can earn some benefit from this card, otherwise, you will be disappointed with it. 


3 thoughts on “Citi First Citizen Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: