First Citizen Citi Credit Card vs American Express Membership Rewards 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 

• Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
• Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
• Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
• Redeem Points from the fabulous 18 and 24 Karat Gold Collection
• Exciting Discounts of up to 20% every time you dine at select restaurants

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

Pros

• Use your American Express Credit Card for your next big purchase & pay in EMI
• Fuel Convenience Fee Waiver
• One of the highest point to INR conversion rates in the market

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge access
• High Renewal Fee