Citi Rewards Credit Card vs AU Bank LIT 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

• Gain 10X or 5X reward points on all online domestic and international retail transactions
• Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
• Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
• Avail 1 Reward Point per Rs. 100 on other spends including insurance
• Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

• Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
  a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
  b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
  c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
  d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  
• Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  
• Maximum cashback of Rs. 1,000 per category over a period of 30 days
  
• Avail up to 4 complimentary domestic lounge visits per 90 days
  
• Avail 3 months membership of ZEE5 
  
• Avail 3 months membership of Amazon Prime
  
• Avail 3 months membership of Cult pass Live subscription for home live workouts
  
• Zero lost-card liability 
• Credit Shield can be availed up to Rs. 1.5 lakhs

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

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure