Compare Citibank Cashback Credit Card vs IDFC FIRST Millennia Credit Card

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

Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
Get 3X Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
Use the Reward points to instantly pay for online or in-store purchases
Get 1X Reward Points on Insurance premium payments and Utility bill payments
Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
Get 4 complimentary Railway lounge visits per quarter
Avail complimentary Roadside Assistance worth Rs. 1,399
Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
Enjoy 300+ Merchant offers all year long
Up to 20% discount at 1500+ restaurants
Up to 15% discount at 3000+ Health & Wellness outlets
Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

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: