HDFC Bank Platinum Plus Credit Card vs First Citizen Citi Credit Card

• Get 2 reward points for every Rs. 150 spent
• Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
• Avail up to three add-on cards for free
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card if reported immediately
• 50 days of interest-free credit
• Pay utility and phone bills with ease by registering the card for SmartPay

• 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 

Pros

• 2 reward points for every Rs. 150 spent
• Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
• Zero liability on lost card if reported immediately

Cons

• No golf benefits
• No fuel benefits
• No airport lounge access

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