Citi Rewards Credit Card vs BOB Financial PREMIER

Joining Fees

₹1,000

₹1,000

Editor's Rating

4.1

4.6

Key Features

  • 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
  • 5X rewards on travel, dining and abroad; 2 Reward points on others
  • Complimentary airport lounge, 24x7 concierge
  • Zero fuel surcharge
  • Fuel surcharge waiver
  • Zero annual fees basis card usage

Editor's Review

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

  • Convert purchases more than Rs. 2,500 on the card into easy EMIs of 6/12 months
  • 3 lifetime free add-on cards
  • Free Personal Accidental Death Cover


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