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First Citizen Citi Credit Card

by Kshitiz V Sharma on

The Bottom Line

 

First Citizen Citi Credit Card
Good for Shoppers Stop & Booking.com

10-14 Reward Points / ₹200 spent at Shoppers Stop stores, and 2 Reward Points / ₹200 on all other spends. 10% discount on Booking.com.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.6% 0.7% 0.8% 0.8% 0.8%
Est. Monthly Reward (₹) 25 70 150 400 825
All-India Rewards Rank* 66 83 111 161 155
Within Bank Rank* 4 4 4 5 3
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The First Citizen Citi Credit Card gives effective rewards of 4.2% on shopping at Shoppers Stop and other select brands, and 0.6% for all other spends.

This card gives a net reward yield of 0.7% on all your spending. That is a relatively low net reward yield and there are better options available.

The Citi Cash Back Credit Card is the best credit card from Citibank India, if you spend less than ₹50,000 on your card each month.

You can earn a net reward yield of 0.9-1.2% on all your spend with this card.

Go for the Citi PremierMiles Credit Card if you spend more than ₹50,000 a month on the card. The PremierMiles gives you a net reward yield of 1.5-1.9% on your total spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card First Citizen Citi Credit Card
Card Type Reward
Cashback Features – 14 Reward Points / ₹200 at Shoppers Stop Store

– 10 Reward Points / ₹200 on other brands at Shoppers Stop

– 2 Reward Points / ₹200 on all other spends

Milestone Rewards Nil
Other Rewards – 10% Cashback on booking.com

– 15% discount on Vista Rooms

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Redeem the reward points at Shoppers Stop Store@₹0.60 / Reward point


Fees & Charges

Card First Citizen Citi Credit Card
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹30,000
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 45.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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