← Part of Citi Credit Cards in India
The First Citizen Citi Credit Card, now transitioned to Axis Bank, offered significant shopping benefits, including up to 7 First Citizen Points per ₹100 spent at Shoppers Stop. As of 2026, the card’s core features and fee structure remain largely consistent with its previous iteration, focusing on rewards for retail purchases.
| Parameter | Details |
|---|---|
| Card Name | First Citizen Citi Credit Card (now Axis Bank Shoppers Stop Credit Card) |
| Issuing Bank | Citibank India (transitioned to Axis Bank as of May 29, 2026) |
| Primary Partner | Shoppers Stop |
| Launch Status (2026) | Product transitioned to Axis Bank; existing features largely retained |
| First-Year Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 (waived if spending ₹30,000 or more in previous membership year) |
| Welcome Benefit | 500 First Citizen Reward Points worth ₹300 on first spend within 30 days of card issuance |
| Reward Points Earning (Shoppers Stop in-store brands) | 7 points per ₹100 spent (5 from Shoppers Stop, 2 from Citibank) |
| Reward Points Earning (Shoppers Stop other brands) | 5 points per ₹100 spent (3 from Shoppers Stop, 2 from Citibank) |
| Reward Points Earning (Other merchant establishments) | 1 First Citizen Point per ₹100 spent |
| Reward Point Value | 1 First Citizen Point = ₹0.60 |
| Redemption Mechanism | Instantly redeemable at any Shoppers Stop store or website for full or part payment |
| Cash Withdrawal Fee | 2.5% on advanced amount, subject to a minimum of ₹500 |
| Fuel Surcharge | 1% on fuel purchases at authorized IndianOil outlets |
| Eligibility Age | 18-60 years |
| Eligibility Citizenship | Indian Citizen |
| Credit Score Requirement | Good credit score (typically 700+ CIBIL score for most banks) |
| Proof of Residence | Passport, Driving License, Ration Card, Electricity Bill, Landline Telephone Bill |
| Contactless Payment | Available (Tap and Pay) |
| Customer Care (Citibank India) | 1860 210 2484 (9:00 a.m. To 9:00 p.m. For loans, 24×7 via CitiPhone for general support) |
The card’s transition to Axis Bank ensures continued access to Shoppers Stop benefits and a broad network of offers across India and 30+ other countries, maintaining its value proposition for frequent shoppers.
First Citizen Citi Credit Card: Features & Benefits
The First Citizen Citi Credit Card, now transitioned to Axis Bank, offers specific benefits for Shoppers Stop customers in India. Cardholders earn up to 7 First Citizen Points per ₹100 spent at Shoppers Stop, with points instantly redeemable for purchases.
The card also provides welcome benefits and an annual fee waiver based on spending thresholds, making IT suitable for frequent shoppers.
| Feature | Details | Key Benefit |
|---|---|---|
| Welcome Benefit – Reward Points | 500 First Citizen Reward Points worth ₹300 on first spend within 30 days of card issuance. | Instant value back on initial spending. |
| Reward Points Earning – Shoppers Stop (in-store brands) | 7 First Citizen Points per ₹100 spent (5 from Shoppers Stop, 2 from Citibank). | Accelerated rewards for purchases of in-store brands at Shoppers Stop. |
| Reward Points Earning – Shoppers Stop (other brands) | 5 First Citizen Points per ₹100 spent (3 from Shoppers Stop, 2 from Citibank). | d rewards for purchases of other brands at Shoppers Stop. |
| Reward Points Earning – Other Merchants | 1 First Citizen Point per ₹100 in purchases. | Standard reward earning on all other retail spends. |
| Reward Points Redemption | Instant redemption of First Citizen Points against purchases made at Shoppers Stop (1 Reward Point = ₹0.60). Points can be used for full or part payment. | Flexible and instant savings on Shoppers Stop purchases. |
| Annual Fee Waiver | Annual fee of ₹500 + GST is waived off if you spend more than ₹30,000 in the previous year. | Opportunity to avoid annual fees through regular card usage. |
| Complimentary Parking | Complimentary parking at Shoppers Stop stores. | Added convenience and savings for frequent Shoppers Stop visitors. |
| Contactless Payments | Tap and pay using a contactless card for transactions up to ₹2,000 (within India) without a PIN. | Fast, secure, and convenient payment method. |
| Exclusive Offers & Privileges | More than 26,000 exciting offers and privileges on travel, shopping, hotels, entertainment, golf, and spas in India and 30+ other countries. | Wide range of discounts and benefits across various categories globally. |
| Cash Withdrawal Facility | Cash withdrawal up to allowed limit with a fee of 2.5% on the advanced amount (minimum ₹500). | Access to emergency cash, though with associated fees. |
| EMI Interest Rate | 2% monthly interest rate on EMI conversions. | Option to convert large purchases into affordable EMIs. |
| EMI Processing Fee | ₹300 processing fee for EMI conversions. | Standard fee for availing EMI facility. |
The card’s primary focus remains on the shopping experience at Shoppers Stop, offering significant reward points and redemption flexibility for loyal customers.
First Citizen Citi Credit Card: Fees & Charges
The First Citizen Citi Credit Card carries a first-year joining fee of ₹500 + GST, with an annual renewal fee of ₹500 + GST. This annual fee is waived if cardholders spend ₹30,000 or more in the preceding membership year.
| Metric | Value (Rs.) | Details |
|---|---|---|
| First-Year Joining Fee | ₹500 + GST | Applicable upon card issuance |
| Annual Fee (Renewal) | ₹500 + GST | Waived if annual spends exceed ₹30,000 in the previous year |
| Annual Fee Waiver Condition | ₹0 | Achieve ₹30,000 or more in spends during a membership year |
| Cash Withdrawal Transaction Fee | 2.5% on advanced amount | Subject to a minimum charge of ₹500 per transaction |
| Fuel Surcharge | 1% | Applicable on fuel purchases at authorized IndianOil outlets |
| Monthly Interest Rate | 3.25% | On outstanding balance, as of 2026 |
| Annual Interest Rate | 39% | On outstanding balance, as of 2026 |
| EMI Interest Rate | 2% | Applicable on EMI conversions |
| EMI Processing Fee | ₹300 | One-time fee for converting transactions to EMIs |
| Reward Point Value | ₹0.60 | 1 First Citizen Reward Point equals ₹0.60 |
| Contactless Transaction Limit (without PIN) | ₹2,000 | For transactions within India |
Cardholders should review the Most Important Terms and Conditions (MITC) document for the latest and complete fee schedule, as charges are subject to change per RBI guidelines.
How to Apply for First Citizen Citi Credit Card
Applying for the First Citizen Citi Credit Card in 2026 involves a straightforward online or offline process. Applicants must be Indian citizens between 23 and 60 years of age with a good credit score.
The application typically requires identity and residence proofs, along with income verification, to assess eligibility for the card.
- Check Eligibility Criteria: Ensure you are an Indian citizen, aged between 23 and 60 years, and possess a good credit score. A minimum annual income of ₹3 lakh is generally expected for credit card applicants in India.
- Gather Required Documents: Prepare government-issued identity proof (e.g., Aadhaar card, Passport, Voter ID) and residence proof (e.g., Passport, Driving License, Electricity Bill, Ration Card). Income proof such as salary slips or IT returns will also be necessary.
- Choose Application Mode: You can apply online via the official Citibank India website or visit a Citibank branch in person. Online applications offer convenience, while branch visits provide direct assistance.
- Fill the Application Form: Complete the credit card application form with accurate personal, financial, and employment details. Double-check all entries to avoid processing delays.
- Submit Documents: Upload digital copies for online applications or submit physical copies at a branch. Ensure all documents are clear and valid as per RBI guidelines for credit card applications.
- Application Review: Citibank will review your application, credit score, and submitted documents. This underwriting process determines your eligibility and credit limit. Around 48% of fresh credit card applications are rejected at this stage.
- Verification Process: The bank may conduct a verification call or a physical address verification. Be prepared to answer questions about your application details.
- Card Issuance: Upon successful verification and approval, your First Citizen Citi Credit Card will be dispatched to your registered address. The card typically arrives within 7-10 business days.
- Card Activation: Activate your new card through Citibank’s mobile banking app, net banking portal, or by calling their customer care at 1860 210 2484.
The entire application process, from submission to card activation, generally takes about 10-15 working days, provided all documents are in order.
First Citizen Citi Credit Card: Rewards & Redemption
The First Citizen Citi Credit Card offers up to 7 First Citizen Points for every ₹100 spent at Shoppers Stop, making IT a strong choice for frequent shoppers. Cardholders receive 500 reward points, worth ₹300, on their first spend within 30 days of card issuance.
These reward points can be redeemed instantly at any Shoppers Stop store across India for full or partial payments.
- Shoppers Stop In-Store Brands: Earn 7 First Citizen Points per ₹100 spent on in-store brands (5 from Shoppers Stop, 2 from Citibank).
- Shoppers Stop Other Brands: Get 5 First Citizen Points per ₹100 spent on other brands (3 from Shoppers Stop, 2 from Citibank).
- All Other Spends: Receive 1 First Citizen Point for every ₹100 spent at other merchant establishments.
- Reward Point Value: Each First Citizen Reward Point is valued at ₹0.60, offering an effective reward rate of up to 4.2% at Shoppers Stop.
- Welcome Benefit: A bonus of 500 reward points, equivalent to ₹300, is credited upon the first card spend within 30 days of issuance.
- Redemption Flexibility: Points can be redeemed instantly at any Shoppers Stop store in India, for both full and partial payments.
- Monthly Transfer: Points earned on the First Citizen Citi Credit Card are transferred to Shoppers Stop on a monthly basis.
- Exclusive Privileges: Access over 26,000 offers on travel, shopping, hotels, entertainment, golf, and spas in India and 30+ other countries.
The card also provides complimentary parking at Shoppers Stop, the overall shopping experience for cardholders.
First Citizen Citi Credit Card vs Alternatives
The First Citizen Citi Credit Card, now transitioned to Axis Bank, offers specific benefits for Shoppers Stop customers, including accelerated reward points. For broader spending categories, alternative cards like the IndianOil Citi Platinum and other Axis Bank co-branded cards provide different reward structures and annual fees.
As of 2026, the Indian credit card market features over 10.85 crore active cards, with various options catering to diverse spending habits and reward preferences (Source: RBI Payment System data, February 2026).
| Feature | First Citizen Citi Card (now Axis Bank Shoppers Stop Card) | IndianOil Citi Platinum | Axis Bank Shoppers Stop Card |
|---|---|---|---|
| Joining Fees | ₹500 + GST | INR 0 | Not specified (check with Axis Bank) |
| Annual Fees | ₹500 (waived on spending ₹30,000 in a year) | INR 1,000 (waived on spending ₹30,000 in a year) | Not specified (check with Axis Bank) |
| Welcome Benefits | 500 First Citizen points worth ₹300 on first spend within 30 days | 250 Turbo Points on joining | Not specified (check with Axis Bank) |
| Reward Points on Shoppers Stop (in-store brands) | 7 points per ₹100 spent (5 from Shoppers Stop, 2 from Citibank) | Not applicable | Not specified (check with Axis Bank) |
| Reward Points on Shoppers Stop (other brands) | 5 points per ₹100 spent (3 from Shoppers Stop, 2 from Citibank) | Not applicable | Not specified (check with Axis Bank) |
| Reward Points on other spends | 1 First Citizen Point per ₹100 | 1 Turbo point per ₹150 | 2 FIRST CITIZEN Reward Points for every ₹200 spent |
| Reward Point Value | 1 First Citizen RP = ₹0.60 | 1 Turbo Point = Re. 1 | Not specified (check with Axis Bank) |
| Cash Withdrawal Fee | 2.5% on advanced amount (minimum ₹500) | Not specified (check with Axis Bank) | Not specified (check with Axis Bank) |
| Fuel Surcharge | 1% on fuel purchases at authorized IndianOil outlets | Not specified (check with Axis Bank) | 1% fuel surcharge waiver |
| Effective Rewards (Shoppers Stop private brand apparel) | 14 First Citizen Reward Points per ₹200 spent (8.4% cashback rate) | Not applicable | Not specified (check with Axis Bank) |
| Effective Rewards (Groceries/Supermarkets) | Not specified | 2 Turbo points per ₹150 spent (2% cashback rate) | Not specified |
| Offers & Privileges | More than 26,000 offers in India and 30+ countries | Not specified | Exclusive offers with Axis Bank Dining Delights via EazyDiner |
While the First Citizen Citi Credit Card offered strong retail benefits, the Axis Bank Shoppers Stop Card continues to provide specific advantages for frequent Shoppers Stop customers, including instant point redemption and membership perks.
Eligibility for First Citizen Citi Credit Card
To qualify for the First Citizen Citi Credit Card in 2026, applicants must be Indian citizens between 23 and 60 years of age. A good credit score is also a key requirement for approval.
- Age: Applicants must be between 23 and 60 years old. Some sources indicate a minimum age of 18 years for Indian citizens.
- Citizenship: Only Indian citizens are eligible to apply for this credit card.
- Residency: The applicant must be a resident of India.
- Credit Score: A good credit score is for approval, demonstrating responsible credit behavior.
- Proof of Residence: Valid documents include a Passport, Driving License, Ration Card, Electricity Bill, or Landline Telephone Bill.
Meeting these criteria increases the likelihood of approval for the First Citizen Citi Credit Card.
RBI Guidelines for Credit Cards in India 2026
The Reserve Bank of India (RBI) sets full guidelines for credit card operations in India, ensuring consumer protection and market stability. As of 2026, these regulations cover aspects from card issuance to grievance redressal, impacting all credit card products including the First Citizen Citi Credit Card.
- Card Issuance and Activation: Issuers must obtain explicit consent before issuing a credit card. Unsolicited cards are prohibited, and cards must be activated only after the cardholder completes the activation process.
- Interest Rates and Charges: Banks and NBFCs must clearly disclose all charges, including interest rates, annual fees, and late payment penalties, in a transparent manner. The First Citizen Citi Credit Card, for instance, has a first-year joining fee of ₹500 + GST.
- Billing and Statement Transparency: Credit card statements must be clear, providing details of all transactions, charges, and payment due dates. Cardholders are given a free-look period to cancel the card without charge if dissatisfied.
- Credit Limit and ments: Lenders cannot increase a credit card limit without the explicit consent of the cardholder. Any pre-approved limit ments require a clear opt-in from the customer.
- Grievance Redressal Mechanism: RBI mandates a strong grievance redressal system for all credit card issuers. Customers can escalate unresolved complaints to the RBI Ombudsman if the bank fails to address them within 30 days.
- Data Security and Privacy: Card issuers must adhere to strict data security standards to protect cardholder information. This includes secure transaction processing and safeguarding personal financial data.
These guidelines ensure fair practices and protect cardholders from predatory lending or hidden charges, making credit card usage safer for consumers.
Key Takeaways
- RBI guidelines mandate explicit customer consent for credit card issuance and limit ments.
- All fees, including the First Citizen Citi Credit Card’s ₹500 + GST joining fee, must be transparently disclosed.
- A strong grievance redressal system is in place, allowing customers to approach the RBI Ombudsman for unresolved issues.
Review the detailed Most Important Terms and Conditions (MITC) provided by your credit card issuer for specific product rules.
Frequently Asked Questions (FAQs)
What are the welcome benefits for the First Citizen Citi Credit Card in 2026?
As of 2026, new First Citizen Citi Credit Cardholders receive 500 First Citizen Reward Points, valued at ₹300, upon spending anywhere within 30 days of card issuance. These points are automatically credited to your account after meeting the spend criteria. This welcome offer helps offset the initial joining fee.
What are the annual fees for the First Citizen Citi Credit Card in 2026?
The First Citizen Citi Credit Card has a joining fee of ₹500 + GST and a renewal fee of ₹500 + GST. The annual renewal fee is waived if your total card spends exceed ₹30,000 in the preceding membership year. This spend-based waiver makes the card more cost-effective for regular users.
How can I redeem First Citizen Points earned with the Citi Credit Card?
You can instantly redeem your First Citizen Points against purchases made at any Shoppers Stop store across India. Points can cover the full payment or be used for part payments, offering flexibility at checkout. The points earned are transferred to Shoppers Stop on a monthly basis.
What are the reward rates for the First Citizen Citi Credit Card?
The First Citizen Citi Credit Card offers up to 7 First Citizen Points per ₹100 spent at Shoppers Stop on in-store brands (5 from Shoppers Stop, 2 from Citibank). For other brands at Shoppers Stop, you earn 5 points per ₹100. All other merchant establishments earn 1 First Citizen Point per ₹100 in purchases.
What are the eligibility criteria for the First Citizen Citi Credit Card in India?
Applicants for the First Citizen Citi Credit Card must be at least 18 years old and an Indian citizen. A strong CIBIL score, typically above 700, is for approval, along with a stable income source. Lenders also require valid proof of residence and identity, such as a Passport or Aadhaar card.
Can I withdraw cash using the First Citizen Citi Credit Card, and what are the charges?
Yes, you can withdraw cash using your First Citizen Citi Credit Card up to your assigned cash withdrawal limit. Each cash advance transaction incurs a fee of 2.5% of the advanced amount, subject to a minimum charge of ₹500. Cash advances should be used sparingly due to these high fees and immediate interest accrual.
Does the First Citizen Citi Credit Card offer contactless payment options?
Yes, the First Citizen Citi Credit Card includes a contactless payment feature, allowing you to simply tap and pay at compatible merchant terminals. This technology convenience and security for everyday transactions. Contactless payments are widely accepted across India.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.