First Citizen Citi Credit Card vs Axis Bank Titanium Smart Traveler Credit Card

Joining Fees

₹500

₹250

Editor's Rating

4.5

3.7

Key Features

  • 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 
  • Get 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 and Rs. 4,000   
  • Dining Delights- minimum 15% off on partner restaurants in India 
  • On any transaction over Rs. 2,500 contact the bank and convert the big credit card purchase into EMIs
  • Get Axis Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Earn points for the following transactions:
  1. On every Rs. 200 spent on the credit card while travelling abroad, earn 8 points 
  2. For every Rs. 200 spent on hotels, holiday packages, airlines, train, and bus bookings in India, earn 4 points 
  3. On every Rs. 200 spent on the credit card in India, earn 2 points

Editor's Review

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

  • Dining Delights- minimum 15% off on partner restaurants in India 
  • On any transaction over Rs. 2,500 contact the bank and convert the big credit card purchase into EMIs
  • On every Rs. 200 spent on the credit card while travelling abroad, earn 8 points 

Cons

  • No Airport Lounge access 
  • No Golf Privileges 


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