First Citizen Citi Credit Card vs Tata Croma Titanium Card

Joining Fees

₹500

₹499

Editor's Rating

4.5

3.8

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 
  • 500 Empower points on spends of Rs. 2,000 in the first 60 days
  • 1.5% Value back on spends @ Croma & cromaretail.com
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores 

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

  • Welcome Benefits 
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores

Cons

  • High-interest rate
  • No Airport Lounge access 
  • No Golf games


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