IndianOil Citi Platinum Credit Card vs Yes Bank First Reserv Credit Card

• 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
• 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
• Get Deals and Discounts locally and in over 90 countries
• Instant loans to get things done right away
• Save up to 20% on dining bills at participating restaurants

• Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
• Get up to 1.75% markup on foreign currency
• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Credit Shield cover of 15 Lakh
• Lost Card liability 15 Lakh to 30 Lakh
• 1% fuel surcharge waiver between Rs 400 and Rs 5000
• Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
• 3 complimentary domestic airport lounge visits per quarter
• Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
• Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
• Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
• Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
• Avail 6 YES Rewardz Points on every Rs. 200 on select categories
• Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
• Instant EMI: Pay in parts for transactions as low as Rs. 1500
• Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
• Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
• Contactless Transactions

Pros

• Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
• Get 250 Turbo Points on your first spend within 30 days of card issuance
• Redeem points instantly via SMS against purchases at leading brands

Cons

• No complimentary Airport Lounge access
• Fuel points are applicable only for Indian Oil fuel stations
• No cash-back options

Pros

• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Get up to 1.75% markup on foreign currency

Cons

• No railway lounge access
• No cashback offers
• Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit