First Citizen Citi Credit Card vs HDFC Bank Titanium Edge Credit Card
Joining Fees
₹500
₹0
Editor's Rating
4.5
3.9
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
- Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
- Avail 2 reward points for every Rs. 150 spends
- Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
- Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
- Earn 50% more reward points as exclusive dining privileges
- Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
- Zero liability on lost card
- With the EMV Chip technology in the card, stay protected against fraud
- Avail of 50 days of interest-free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card
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
- Avail 2 reward points for every Rs. 150 spends
- Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
- Earn 50% more reward points as exclusive dining privileges
Cons
- No golf benefits
- No insurance benefits
- No airport lounge access
