First Citizen Citi Credit Card vs HDFC Diners ClubMiles 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 

• Access 1000+ leading lounges across the globe with complimentary access six times a year through HDFC exclusive lounge program
• Benefits of a concierge for all your travel needs
• 15% discount and other benefits at some of the finest restaurants. You can select from over 1400 offers with partners across the world
• Insurance Benefits  

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

• 6 complimentary access to 700+ lounges worldwide annually
• Redeem Reward Points for bookings across 150+ airlines and a wide range of hotels
• Get air accident cover of Rs. 1 crore

Cons

• No complimentary offers for movie tickets 
• No Cashback on online spends 
• No Golf Privileges