First Citizen Citi Credit Card vs Axis Bank Insta Easy 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 

• Avail Visa International Global Card Assistance Services  
• Withdrawal as much cash as required
• Avail credit limit of your choice up to maximum of 80% of the  FD principal value 
• No extra charge on purchase transactions for up to 50 days 
• Any application for the Credit Card gets guaranteed approval 
• The Credit Card is equipped with Platinum Chip contactless technology
• 1% fuel surcharge wavier valid on transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
• On any transactions above Rs. 2500, contact the bank to convert it into EMIs
• Discover unique delectable cuisines with Axis Bank Dining Delights that offers  15% off at partnered restaurants in India 
• Earn EDGE REWARD points for transactions and use them to redeem from 500+ rewards and offers
• Earn 6 points on Domestic spends for every Rs. 200
• Earn 12  points on International spends for every Rs. 200
• 100  points on  the first online transaction 

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

• Convert  purchases  to EMI
• Avail Visa International Global Card Assistance Services
• Get a guaranteed approval 

Cons            

• No Golf/coaching sessions
• No Airport Lounge Visits