Citi Rewards Credit Card vs HDFC Diners Club Rewardz 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

• Book Air Tickets / Hotels across 150+ Airlines and choice of Hotels (Domestic & International) at www.hdfcbankdinersclub.com
• You can Redeem Reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com ( 1 Reward Point = 0.30 AirMile )
• 10 X Reward Point on International spends for shopping at partnered brands
• Redeem Reward Point for AirMiles across InterMiles, or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 AirMile )
• Fuel Surcharge Waiver capped at Rs. 500 every billing cycle

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

• 3 Reward Points for every Rs.  150 spent; 3X Reward Points for spends at partner brands
• Get double the Reward Points for spends on groceries, dining and airline tickets
• 24x7 concierge service 

Cons

• No complimentary offers for movie tickets 
• No Cashback on spends 
• No Complimentary Airport Lounge access