Apollo SBI Card vs First Citizen Citi 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

• Accelerated Rewards at Shoppers Stop and Ease of Redemption
• Welcome and First-use Benefits worth Rs. 2550
• In-store exclusive Sale Previews and Complimentary Parking
• No Annual Fees for Cardmembers who spend over Rs. 30000 in a membership year 

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

• Avail 3 Rs.500 Shoppers Stop vouchers redeemable at Shoppers Stop and Home Stop
• Avail Rs. 500 Shoppers Stop vouchers that are redeemable on Private Brands only
• Fuel surcharge (1%) on fuel purchases at authorized IndianOil outlets

Cons

• No complimentary Airport Lounge access 
• High-interest rate