Compare HDFC Business MoneyBack Credit Card vs Citi PremierMiles Card

Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021
Get 2,500 Bonus Reward Points on annual spends of Rs. 1,80,000
Spend Rs. 20,000 & above in the first 90 days to get first-year membership fee waived off
Spend Rs. 50,000 in 12 Months to get Renewal Fee waived for next renewal year
4 Reward Points for every Rs.150 spent on online spends
2 Reward Points for Rs 150 on other expenses (Except fuel)
5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000
The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 500 per statement
Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs.1000 per month
1% fuel surcharge waiver at all fuel stations in India on minimum transactions of Rs. 400. Maximum CashBack of Rs.250 per statement cycle
Get Exclusive complimentary Dineout Passport Membership that offers:

Flat 25% off at 2000+ premium restaurants
1+1 on buffet at 200+ restaurants
Early access to events and festivals such as Gourmetlicious.

Please Note: The Dineout Passport Membership is applicable when the individual spends Rs.30,000 and more every calendar quarter using its Business Moneyback Credit Card. The Membership is valid for 3 Months – One city

The accumulated Reward Points can be redeemed for CashBack (100 Reward Points = Rs. 20) (min. redemption amount should be Rs. 2500)
With EasyEMI for SMEs facility, you don’t need to block your capital
Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital

On the yearly card renewal period, get 3000 Bonus Miles
Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
Redeem miles over more than 100 domestic and international airlines
Transfer your miles to any of the card’s hotel & airline partner
Miles never expires so you can use them whenever you desire
Redeem Miles instantly via SMS against purchases at leading brands
Turn big purchases into small payments
Complimentary Access to Airport Lounges in India
Instant loans availed
Get amazing deals and discounts locally & in other 90 countries
As you earn more miles, redeem easily at www.premiermiles.co.in
You can either redeem the miles now or keep collecting them
Using Citi contactless card pay the easy way
Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
Enjoy the latest offers on the credit card
Have instant savings on lifestyle and wellness categories
Join the millions of subscribers with a unique analysis of the issues behind the headlines
Personal Air Accident Insurance cover of Rs 1 crore
Lost Card Liability Cover of Rs. 10 Lakh

Pros

Avail up to 20% savings for payments done via Dineout Pay. Including Additional 5% off on paying using the Dineout Pay that’s linked to Business Moneyback
Zero liability on the lost card
Enjoy Revolving Credit on your Credit Card at a nominal interest rate

Cons

No complimentary golf/coaching sessions
Airport Lounge Access: Priority Pass - Charge of $27 + taxes, will be applicable on all the lounge visits exceeding the complimentary cap.

Pros

The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
Save up to 20% across all Citibank's partnered restaurants

Cons