First Citizen Citi Credit Card vs IndusInd Platinum RuPay 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 

• UPI is enabled on this Credit Card
• 1% Fuel Surcharge Waiver
• Avail 2 Reward Points on every Rs. 100 transaction done via UPI
• Avail 1 Reward Point for every Rs. 100 on non UPI transactions
• Avail Rs. 0.70 for every Rs. 100 on selected merchant categories. This is applicable for UPI and Non-UPI transactions
• IndusInd Bank in association with The Oriental Insurance Company Ltd, bring you insurance coverage that includes lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection
• Enjoy the facility of Total Protect that covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud
• Complimentary personal air accident insurance cover of up to Rs. 25 lakh

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 on every Rs. 100 transaction done via UPI
• Avail 1 Reward Point for every Rs. 100 on non UPI transactions
• Total Protect covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud

Cons

• No golf benefits
• No airport lounge access / dining/ movie benefits