First Citizen Citi Credit Card vs Spar SBI Credit Card
VS
Fees
Citibank
SBI
Joining Fees
₹500
₹499
Renewal Fees
₹500
₹499
Network
Visa
Visa
Editor's Review
4.5
2.5
Free Lounge Access
No
Yes
Features
First Citizen Citi 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
Spar SBI Credit Card
- Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
- On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
- On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
- Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
- 1% fuel surcharge waiver
Editor's Review
First Citizen Citi Credit Card
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
Spar SBI Credit Card
Pros
- Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees
- Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
- Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
Cons
- No Golf/coaching sessions
- Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes
