Spar SBI Credit Card vs Citibank Cashback 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 

• 5% Cashback on Telephone & Utility Bill payments, and Movie ticket purchases and 0.5% Cashback on all other spends
• The unredeemed cashback is evergreen as it'll never expire
• Turn big purchases into small payments
• Instant Loans
• Over 26,000 offers and privileges on travel, hotels, shopping, entertainment, spas, Golf and much more

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 

Pros

• The Citibank Cash Credit Card gives the advantage of earning Cash points on every purchase
• This Credit Card has privileges from booking Tickets, Dining, Bill Payment and more
• Get benefits worth Rs. 3,300+ in the first year

Cons:

• No Complimentary Airport Lounge access