CitiCredit Card

First Citizen Citi Credit Card

First Citizen Citi Credit Card from Citi is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.

Annual fee: Rs 500 | Best for: Shopping, Partner Brands

Joining fee

Rs 500

Annual fee

Rs 500

Base value

Rs 0.6

Estimated value per Rs 100 of eligible spend.

First Citizen Citi Credit Card Overview

First Citizen Citi Credit Card is a Citi credit card. Base reward value is about Rs 0.6 per Rs 100 of eligible spend. Zlash checks boosted categories like partner brands along with caps and exclusions.

Best For

First Citizen Citi Credit Card is most useful when your spends regularly fall into partner brands.

ShoppingPartner Brands

Rewards

partner brands

5x the base reward rate.

Rs 3 / Rs 100

Not Good For

International transactions if you need low forex markup; this card lists 3.5% markup.

Welcome And Travel Benefits

Welcome: Includes welcome value up to Rs 500 and voucher-based benefits.

Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.

Lifestyle Benefits

Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.

Fuel And Forex Charges

Fuel waiver

1% fuel surcharge waiver on eligible fuel transactions.

Forex markup

3.5%

3.5% foreign currency markup.

Zlash Verdict

Choose this card when shopping, partner brands match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.

This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.

FAQ

What is the annual fee of First Citizen Citi Credit Card?

The listed annual fee is Rs 500.

What is First Citizen Citi Credit Card best used for?