First Citizen Citi Credit Card vs SBI Elite Credit Card
Joining Fees
₹500
₹4,999
Editor's Rating
4.5
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
- On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
- Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
- Complimentary membership to the Priority Pass Program worth $99
- Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
- Enjoy obtaining Club Vistara Silver membership as complimentary
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
- Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
- Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
- On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points
Cons
- High joining/renewal fees
- Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it
