Citi Prestige Credit Card vs HDFC Bank Platinum Edge Credit Card

• Get benefits worth Rs. 38,000+ in the first year
• Welcome Bonus Miles worth Rs. 4,500
• Taj Group/ ITC Hotels Vouchers of Rs. 10,000
• Reward Points worth Rs. 24,000 on annual spends

• Renew the credit card’s membership for free by spending Rs 50,000 in a year
• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
• Avail 50% more reward points at premium restaurants
• Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
• Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
• Zero liability on lost card after reporting the loss
• Avail up to 50 interest-free days from date of purchase
• Enjoy Revolving Credit at nominal interest rate
• 50 days of interest-free credit

Pros

• Never expiring reward points
• Epicure Plan of Taj InnerCircle membership
• Complimentary Priority Pass Lounge Access for Primary as well as add-on Card members
• Instantly Pay with Points at select partners

Cons

• High Annual Membership Fee of Rs. 20,000 + taxes
• High-interest rate

Pros

• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access