Citi Rewards Credit Card vs HDFC Bank Platinum Plus Credit Card

Joining Fees

₹1,000

₹500

Editor's Rating

4.1

2.5

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
  • Get 2 reward points for every Rs. 150 spent
  • Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
  • Avail up to three add-on cards for free
  • With the EMV Chip technology in the card, stay protected against fraud
  • Zero liability on lost card if reported immediately
  • 50 days of interest-free credit
  • Pay utility and phone bills with ease by registering the card for SmartPay

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

  • 2 reward points for every Rs. 150 spent
  • Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
  • Zero liability on lost card if reported immediately

Cons

  • No golf benefits
  • No fuel benefits
  • No airport lounge access


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