Citi Rewards Credit Card vs BOB Financial Select

• 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 Dining, Utility bills, Online spends; 1x on others
• 1,000 bonus rewards points every month
• Zero Fuel Surcharge
• Zero Annual Fees basis card usage 

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

• Easy EMI Option
• Multiple redemption options
• In-built insurance cover

Cons

• No Golf Privileges 
• No Airport Lounge access