Spar SBI Credit Card vs IndianOil Citi Platinum Credit Card
Joining Fees
₹499
₹1,000
Editor's Rating
2.5
4
Key Features
- 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
- 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
Editor's Review
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
- 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
