Apollo SBI Card vs Citibank Cashback Credit Card

• Get complimentary Apollo Gold Tier Membership
• Get 3X Reward Points on every Rs. 100 spent on all Apollo services
• Get 10% Instant Discount at Select Apollo Services
• On every Rs. 100 spent on Dining, Movies & Entertainment, get 2X Reward Points

• 5% Cashback on Telephone & Utility Bill payments, and Movie ticket purchases and 0.5% Cashback on all other spends
• The unredeemed cashback is evergreen as it'll never expire
• Turn big purchases into small payments
• Instant Loans
• Over 26,000 offers and privileges on travel, hotels, shopping, entertainment, spas, Golf and much more

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert Reward Point into Health Credits
• Get 10% Instant Discount at Select Apollo Services
• Complimentary Apollo Gold Tier Membership                                                                                                       

Cons 

• The reward points earned can only be redeemed to avail services at Apollo Healthcare Centers and related stores
• The complimentary OneApollo Silver Tier Membership doesn’t add much value as it could be availed by simply enrolling for the program for a decent cost or even for free. If they had to give this benefit, they should have probably offered a Gold Tier Membership to the program, which otherwise requires the person to spend a high fee for it in a year
• No Golf/coaching sessions

Pros

• The Citibank Cash Credit Card gives the advantage of earning Cash points on every purchase
• This Credit Card has privileges from booking Tickets, Dining, Bill Payment and more
• Get benefits worth Rs. 3,300+ in the first year

Cons:

• No Complimentary Airport Lounge access