Citibank Cashback Credit Card vs HDFC Bank Titanium Edge Credit Card

Joining Fees

₹500

₹0

Editor's Rating

3.5

3.9

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
  • Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
  • Earn 50% more reward points as exclusive dining privileges
  • Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
  • Zero liability on lost card
  • With the EMV Chip technology in the card, stay protected against fraud
  • Avail of 50 days of interest-free period from the date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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

  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Earn 50% more reward points as exclusive dining privileges

Cons

  • No golf benefits
  • No insurance benefits
  • No airport lounge access


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