Citi Rewards Credit Card vs Spar SBI Credit Card
VS
Fees
Citibank
SBI
Joining Fees
₹1,000
₹499
Renewal Fees
₹1,000
₹499
Network
Mastercard
Visa
Editor's Review
4.1
2.5
Free Lounge Access
No
Yes
Features
Citi Rewards 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
Spar SBI Credit Card
- Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
- On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
- On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
- Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
- 1% fuel surcharge waiver
Editor's Review
Citi Rewards Credit Card
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
Spar SBI Credit Card
Pros
- Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees
- Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
- Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
Cons
- No Golf/coaching sessions
- Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes
