Bank Of Maharashtra - SBI Card vs Citi PremierMiles Card

• Bank Of Maharashtra - SBI Card’s Welcome Offer: Avail Rs. 100 cashback on the  first ATM cash withdrawal, if done within 30 days of receiving the card
• Annual membership fee reversal from the second year 
• Get 1 Reward Point on every Rs. 100 as you spend using the Bank of Maharashtra - SBI Card. Use the Reward Points to pay the outstanding balance on the credit card or redeem against a wide array of gifts
• Bank of Maharashtra - SBI Card is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdrawals of cash can be done anytime from over 1 million Visa ATMs worldwide
• Book railway tickets online and they’ll get delivered at your doorstep

• On the yearly card renewal period, get 3000 Bonus Miles
• Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
• Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
• Redeem miles over more than 100 domestic and international airlines
• Transfer your miles to any of the card’s hotel & airline partner
• Miles never expires so you can use them whenever you desire
• Redeem Miles instantly via SMS against purchases at leading brands
• Turn big purchases into small payments  
• Complimentary Access to Airport Lounges in India
• Instant loans availed
• Get amazing deals and discounts locally & in other 90 countries
• As you earn more miles, redeem easily at www.premiermiles.co.in
• You can either redeem the miles now or keep collecting them
• Using Citi contactless card pay the easy way  
• Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
• Enjoy the latest offers on the credit card  
• Have instant savings on lifestyle and wellness categories  
• Join the millions of subscribers with a unique analysis of the issues behind the headlines
• Personal Air Accident Insurance cover of Rs 1 crore
• Lost Card Liability Cover of Rs. 10 Lakh

Pros

• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward points
• Up to 2.5% value back, as you get 10X Reward Points per Rs. 100 spent at all Departmental and Grocery stores
• On all other spends earn 1 Reward point per Rs. 100 spent. (4 Reward points = Rs. 1)

Cons

• No Complimentary Airport Lounge access 
• No Golf Privileges 

Pros

• The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
• On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
• Save up to 20% across all Citibank's partnered restaurants

Cons

• No Annual Fee Waiver
• High-interest rates