First Citizen Citi Credit Card vs American Express® Gold Card
VS
Fees
Citibank
American Express
Joining Fees
₹500
₹1,000
Renewal Fees
₹500
₹4,500
Network
Visa
Amex
Editor's Review
4.5
3.8
Free Lounge Access
No
No
Features
First Citizen Citi Credit Card
- Accelerated Rewards at Shoppers Stop and Ease of Redemption
- Welcome and First-use Benefits worth Rs. 2550
- In-store exclusive Sale Previews and Complimentary Parking
- No Annual Fees for Cardmembers who spend over Rs. 30000 in a membership year
American Express® Gold Card
- Welcome Gift of 4,000 Bonus Membership Rewards® Points
- Get benefits on travel bookings with American Express Travel Online
- Avail access to valuable travel benefits under The Hotel Collection: Get a room upgrade (where available) and a US$100 hotel credit while staying two consecutive nights at over 400 hotels worldwide including Hilton Hotels, Intercontinental and Hyatt Hotels
- Avail 2 Supplementary Gold Credit Cards at no additional cost
Editor's Review
First Citizen Citi Credit Card
Pros
- Avail 3 Rs.500 Shoppers Stop vouchers redeemable at Shoppers Stop and Home Stop
- Avail Rs. 500 Shoppers Stop vouchers that are redeemable on Private Brands only
- Fuel surcharge (1%) on fuel purchases at authorized IndianOil outlets
Cons
- No complimentary Airport Lounge access
- High-interest rate
American Express® Gold Card
Pros
- Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month
- Redeem points for the fabulous 18 Carat and 24 Carat Gold Collection
- Enjoy greater flexibility in spending with "no pre-set" limit
Cons
- The travel rewards can only be redeemed through amextravel.com
- Variable APR/Interest Rates
