First Citizen Citi Credit Card vs HSBC Visa Platinum Credit Card
Joining Fees
₹500
₹0
Editor's Rating
4.5
4.3
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
- Avail Amazon Voucher worth Rs 500 on a single transaction of greater than or equal to Rs. 500. The first transaction should be done within 30 days of the card being issued
- 5X Rewards on subsequent purchases made after spending over Rs. 400,000 in an anniversary year up to a maximum Rs. 15,000 accelerated reward points
- Fuel surcharge waiver at all fuel pump in India for transactions between Rs. 400 and Rs. 4,000 (maximum Rs. 250 per calendar month)
- Insurance benefits
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
- Introductory benefits of up to Rs. 4,250
- Air miles conversion on InterMiles, British Airways and Singapore Airlines
- Zero-liability for lost cards
Cons
- No Golf/coaching sessions
- No Airport Lounge Access
