First Citizen Citi Credit Card vs HSBC TravelOne 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 

• As a Welcome Benefit, on spending Rs. 10,000 within the first 30 days, get Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000, and 3 months EazyDiner Prime membership. Get additional 3,000 bonus reward points when you spend Rs. 100,000 in the first 90 days
• Annual fee will either be Rs. 4,999, or free if you spend more than Rs. 800,000 a year
• Get complimentary airport lounge visits, holiday, car hire and lifestyle discounts, and more
• Avail 4 reward points for every Rs. 100 spent on flights, travel aggregators and in foreign currency
• Avail 2 reward points for every Rs. 100 spent on anything else, with no cap
• Avail 10,000 bonus reward points when spending more than Rs. 1,200,000 a year
• Get even more reward points with additional cards
• Instantly convert Reward points to Air Miles 1 to 1 in the app
• Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel, and ClearTrip
• Save up to 20% at selected duty free stores in India
• Save when booking getaway at StayVista
• Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
• Get up to USD 20,000 purchase protection every year
• Get 6 domestic and 4 international airport lounge visits every year
• Enjoy discounts on movies, events and dining with the Zomato app
• 15% off on Yatra
• 15% off on EaseMyTrip
• 15% off on Paytm Flights
• 15 % off on Cleartrip
• 11% off at StayVista: Stay for less when making a hotel booking through the StayVista website (max 2 bookings per card per year; max saving per booking INR3,000)
• Up to 50% off with the District app by Zomato: Up to 10% off events and dining. Plus, buy 1 movie ticket and get 1 free  twice a month
• Up to 20% off duty-free with AdaniOne: Save 20%, up to Rs. 3,000, on their app or website when spending Rs. 8,000 or more, once per card per year
• Access to the top golf courses in India: Get 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds

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

• Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
• Up to 15% discount across some of the most popular travel platforms
• Complimentary golf rounds and green fee offers

Cons

• No Fuel benefits
• Welcome benefits come with spend-based conditions
• Redemption of the accrued reward points is limited to just travel partner points or miles