First Citizen Citi Credit Card vs LIC Axis Bank Platinum Credit Card
Joining Fees
₹500
₹0
Editor's Rating
4.5
3.4
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 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
- Avail 1 Reward point for every Rs. 100 spent on all other transactions except wallet load, fuel, and EMI conversions
- Complimentary lost card liability insurance cover up to credit limit
- 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 to Rs. 4000
- Get up to 20% off at over 4,000 restaurants in India
- Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
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. 100 spent on LIC Premium payment and foreign currency transactions
- Complimentary lost card liability insurance cover up to credit limit
- Get up to 20% off at over 4,000 restaurants in India
Cons
- No golf benefits are provided
- No international and domestic airport lounge access
- No Spend Based Waiver
