First Citizen Citi Credit Card vs AXIS Bank IOCL Rupay 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 

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• Earn Reward Points on UPI Payments by linking the card to UPI
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal
• 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
• 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
• 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
• Annual Fee waived off if spends more than Rs. 50000 per year
• 10% instant discount for movie ticket booked via BookMyshow website
• Enjoy up to 15% Discount on partner Restaurants via EazyDiner

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

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal

Cons

• No International Airport Lounge access
• No Golf benefits
• No travel miles benefits