CitiBank First Citizen Credit Card Review

Citibank is one of the leading credit card providers in the world. In India where HDFC is the uncrowned king of the credit card market, they have over 4.15% market share with a very promising credit card lineup, one of them is the citibank first citizen credit card . It is a co-branded citi credit card that Citibank has launched in alliance with the India departmental store company Shoppers Stop. It offers some exclusive deals on shopping and entertainment categories. This card works on the Visa platform and the annual fee of the card is Rs. 500. Go through the article to know more about the citibank credit card benefits.

How do the citibank shoppers stop credit card eligibility work?

• Resident Type: Indian. 
• Citibank credit card eligibility criteria for salaried person:
  • Age: 25 – 70 yrs
  • Income: Min Rs. 3 lakh annually. 
• Citi credit card eligibility criteria for self-employed person:
  • Age: 25 – 70 yrs
  • Income: Min Rs. 3 lakh annually.
• A good Credit Score (750 or more) is needed to apply for this shoppers stop first citizen card.

You can apply for this card from the citibank credit card online application portal. Once your application is submitted successfully you will get a unique application id, that can be used for checking the status of citi bank first citizen credit card application. 

What documents are required to apply for shoppers stop citibank credit card?

• 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 (Income Tax Return)
  • Self-employed person
    • Income tax return of the last year 
    • Proof of business

Nowadays, all new credit cards are delivered in an inactive state, and to start using the cards, the users need to activate them manually by generating a new citi bank credit card pin. So if you want to know how to activate citibank credit card for the first time? Then feel free to visit our faq page.

What are the citibank shopper stop first citizen card fees?

• Citibank first citizen credit card joining fee: None. 
• First citizen citi credit card annual fee: Rs. 500 (Can be waived off if you can spend Rs. 30,000 within a Year.)

What are the citi first citizen card benefits?

• A huge gift voucher to welcome you:

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

• Make your every transaction rewarding with the citibank accelerated rewards program:

The Citibank shoppers stop first citizen card offers big reward points on your shopping, the details are given in the table below. 

Category of transaction	Rate of earning citibank reward points
Shopping at any Shopper’s Stop outlet (private brand’s clothing)	14 citi credit card reward points for each Rs. 200 transactions
Shopping at any Shopper’s Stop outlets (all other brands clothing)	10 citi rewards points for each Rs. 200 transactions
Transactions made at  Arcelia, Homestop, Clinique, M.A.C, Estee Lauder, Bobbi Brown, Smashbox &Malone	10 citibank reward points for each Rs. 200 transactions

You can use your earned citi reward points for shopping at Shopper Stop, Arcelia, Homestop, Clinique, M.A.C, Estee Lauder, Bobbi Brown, Smashbox &Malone. You can also use them to get a product from the citi first citizen credit card redemption catalog. You can check the status of your earned points from the citi bank online banking account. 

• Attractive deals on travel booking:

You can get 10% instant savings on MakeMyTrip also you will get 10% more savings on Booking.com. The cashback amount will be reflected in your next month’s citibank credit card statement.

• Enjoy a premium dining experience with big discounts:

With this Citibank first citizen shoppers stop card you will get up to a 15% discount on your dining bills, this citibank credit card benefit is available at most of the frontline restaurants in India including Arena Café, Breco’s, hungry tide, Lansdowne Café, lezzetli, lotus leaf, Mio Amore, etc. 

• Get freedom from fuel surcharges:

With your citibank first citizen credit card, you will get a 1% discount on fuel surcharges, this offer is applicable to every Indian Oil fuel station in India. 

• Attractive citi credit card offers on movies that will make your evenings entertaining:

On this first citizen credit card citibank offers a very attractive movie offer. You will get 1 non-movie ticket completely free with the purchase of another, this bookmyshow citibank credit card offer is applicable on the non-movie tickets booked from BookMyShow. 

• Enjoy Duty-free shopping with a big discount:

This Citibank shoppers stop credit card offers a 15% discount on purchases made in duty-free stores. These citi credit card offers are applicable at some selected airports including – Kolkata, Delhi, Bengaluru, and all international airports. You will also enjoy privileges like; free sale previews and free parking facilities at some selected places.

• Opportunity to make your card free for a lifetime:

You can get a 100% discount on your citizen credit card annual fees, just spend Rs. 30,000 or more within a year and your credit card annual fee will be waived off for the year. You can track your credit card usage using the citi bank credit card mobile app.

• Complimentary lost card liability coverage to support you during emergencies:

This citi bank first citizen credit card comes with no lost card liability coverage, so if your card is lost or stolen you have to react fast and report the loss by calling the citibank credit card customer service number and you will not be liable for anything bad that may happen to your citibank credit card account.

• Feel more secure with the advanced EMV chip:

The shoppers stop citibank 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. 

But fraudulent transactions can happen anytime, and if you notice something suspicious with your account, you can temporarily block your citizen card using your online banking account, click here to go to the citi bank credit card login page.

• Convenient citi credit card bill payment methods:

You can very conveniently make your citi bank credit card payment using your citibank online banking account or any credit card payment app like Cred, Google pay, Paytm, Phone pe, etc. But if you don’t have access to the above-stated payment options, then you can pay your citibank credit card bill via NEFT, cheque, or from your nearby ATM.

What are the first citizen shoppers stop citibank credit card charges?

Particulars	Payable amount
Charges for cash withdrawal with credit card	2.5% against the withdrawal amount (applicable once per withdrawal, check your available citi bank credit card limit before making a withdrawal)
Citi shoppers stop card finance charge	The citibank credit card interest rate can go up to 3.50% /month
Citibank credit card charges for international transactions	3.5% against the transaction amount
Citibank add on card fee	None

Citibank India credit card customer care contact details:

• Call the citibank credit card customer care no: 1860-210-2484 or 022-4955-2484
• Write to the citibank credit card email id: customercare@citi.com 

100xGain Ratings:

6/10

Citi first citizen credit card disadvantages and advantages:

Advantages	Disadvantages
This citibank credit card is best for frequent shoppers Low annual fee credit card Free movie tickets every month, which makes it beneficial for the movie lovers	Most of the benefits are only available at Shoppers stop outlets. There are no citi rewards credit card lounge access benefits available

Final Opinion:

This shoppers stop first citizen credit card is specially designed for those who shop frequently from Shoppers stop outlets, or from the shoppers stop online shopping site. You can earn reward points from your shopping at Shoppers Stop and other partner’s outlets, and the citibank rewards can be redeemed only with the partner’s brands.

So, if you shop frequently from a shopper’s stop outlet, then this card will be the best shopping credit card for you. Otherwise, you will be disappointed with it. So, if you want to have a good credit card for online shopping, then take a look at the 100xGain top 10 shopping credit card page. You can also compare the alternative card options given below. 

Alternative cards of the first citizen citibank credit card: 

1. BOI india credit card (Best for offering reward points)
2. IndusInd celesta credit card (Best for travel-related benefits)
3. Kotak royale signature credit card (Best for travel and fuel benefits)
4. Etihad Guest SBI Card (Best for travel-related benefits)