First Citizen Citi Credit Card vs BOB Financial Select
VS
Fees
Citibank
Bank of Baroda
Joining Fees
₹500
₹750
Renewal Fees
₹500
₹750
Network
Visa
Mastercard
Editor's Review
4.5
4.3
Free Lounge Access
No
No
Features
First Citizen Citi 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
BOB Financial Select
- 5X rewards on Dining, Utility bills, Online spends; 1x on others
- 1,000 bonus rewards points every month
- Zero Fuel Surcharge
- Zero Annual Fees basis card usage
Editor's Review
First Citizen Citi Credit Card
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
BOB Financial Select
Pros
- Easy EMI Option
- Multiple redemption options
- In-built insurance cover
Cons
- No Golf Privileges
- No Airport Lounge access
