Citibank First Citizen Credit Card Review

Citibank First Citizen Credit Card is a co-branded card between Citibank and Shopper’s Stop. The card like any other co-branded card offers majority of privileges only if shopping is done through Shopper Stop outlets. Within the outlet the card offers few benefits like sale previews, exclusive payment counters, free parking, etc.

As for the Rewards program the card has nothing new to offer. It offers one reward point for every Rs 100 spent on the card and an opportunity to earn upto 3.5%. For expenses made on the card at Shopper Stop outlets you get few rewarding offers and points. For every Rs. 100 purchase, you earn up to 5 Reward Points.

The card does give an offer to upgrade to First Citizen Gold Card and then First Citizen Platinum Card which has much more to offer when compared to this card. Purchases over Rs. 40,000 at Shoppers Stop during the first year can gain you automatic upgrade.

Citibank First Citizen Credit Card comes with no Joining or Annual fees. The card when compared to offerings comes nowhere close to other co-branded cards like HSBC Westside Classic Card or SBI Vishal Megamart Card. The card comes with an interest rate offering of 3.15% p.m. which is competitive in comparison to other co-branded cards. This card would actually reap benefits in its Gold and Platinum versions.