Citi Rewards Credit Card vs Spar SBI Card PRIME

• 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

• Cumulative milestone benefits up to 58,000 RP worth Rs 14,500
• On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points
• On annual spends of Rs 100,000 across all Landmark Stores, earn 12,000 bonus Reward Points
• 1% Fuel Surcharge Waiver 

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                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome Benefits include getting 12,000 bonus reward points equivalent to Rs. 3,000 on payment of Annual Fees
• Spar SBI Card PRIME can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Avail 20,000 bonus Reward Points on annual spends of Rs 180,000 across all Landmark Stores               

Cons 

• No Golf/coaching sessions
• Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits