Citibank Cashback Credit Card vs HDFC Bank Platinum Edge Credit Card
Joining Fees
₹500
₹0
Editor's Rating
3.5
3.5
Key Features
- 5% Cashback on Telephone & Utility Bill payments, and Movie ticket purchases and 0.5% Cashback on all other spends
- The unredeemed cashback is evergreen as it'll never expire
- Turn big purchases into small payments
- Instant Loans
- Over 26,000 offers and privileges on travel, hotels, shopping, entertainment, spas, Golf and much more
- Renew the credit card’s membership for free by spending Rs 50,000 in a year
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
- Avail 50% more reward points at premium restaurants
- Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs. 6000 per month)
- Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
- Zero liability on lost card after reporting the loss
- Avail up to 50 interest-free days from date of purchase
- Enjoy Revolving Credit at nominal interest rate
- 50 days of interest-free credit
Editor's Review
Pros
- The Citibank Cash Credit Card gives the advantage of earning Cash points on every purchase
- This Credit Card has privileges from booking Tickets, Dining, Bill Payment and more
- Get benefits worth Rs. 3,300+ in the first year
Cons:
- No Complimentary Airport Lounge access
Pros
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
Cons
- No movie benefits
- No golf benefits
- No international and domestic lounge access
