Citi Rewards Credit Card vs American Express Membership Rewards Credit Card

• Earn minimum 1 reward point for every 125 on all purchases
• Gain 10X reward points at online, physical department, and apparel stores
• Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
• You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
• Instant Loans

• Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
• Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
• Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
• Redeem Points from the fabulous 18 and 24 Karat Gold Collection
• Exciting Discounts of up to 20% every time you dine at select restaurants

Pros

• Get rewarded every time you shop
• Redeem Miles instantly via SMS against purchases at leading brands
• Turn big purchases into small payments

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge access

Pros

• Use your American Express Credit Card for your next big purchase & pay in EMI
• Fuel Convenience Fee Waiver
• One of the highest point to INR conversion rates in the market

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge access
• High Renewal Fee