First Citizen Citi Credit Card vs Axis Bank 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 

• On every Rs. 125 spends, gain unlimited 2 EDGE REWARD points
• Avail 10X reward points on every Rs. 125 spent on apparel and departmental stores
• Receive accelerated points for spends up to Rs. 7000 per month on specific categories
• Membership Benefits: Gain a bouquet of memberships up to Rs. 1,000 every anniversary year
• Milestone Benefits: Avail 1,500 EDGE REWARD points on net spends of Rs. 30,000 per statement cycle
• 30% off on Swiggy food delivery. This is applicable on minimum transaction of Rs. 200 per order and can be availed up to 2 times in a month
• 2 complimentary lounge access per quarter at selected domestic airports
• 1% fuel surcharge on fuel purchases at all fuel stations within India. This is valid on transactions between Rs. 400 to Rs. 5,000 only
• Purchase Protection Cover up to Rs. 1 Lakh
• Credit Shield 1 Lakh
• Loss of Check-in Baggage Cover up to 500 USD
• Cover up to USD 300 for the following: Delay of check-in baggage and Loss of travel documents
• Enjoy up to 15% off, maximum Rs. 500, at partnered restaurants in India
• Annual Fee of Rs. 1,000 will be waived off by making annual spends of Rs. 2,00,000 and above

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

* Unlimited 2 EDGE REWARD points on every Rs. 125 spends
* Accelerated points for spends up to Rs. 7000 per month on specific categories
* Gain a bouquet of memberships up to Rs. 1,000 every anniversary year

Cons

* No access to international lounges at airports
* No golf benefits are provided