CITIBANK - FIRST CITIZEN

The biggest reason for me to rank this card at no. 1 is only one. Redemption of Parking Ticket at Mall. Parking ticket of ₹30 INR or more than that, is just simply redeemed at a Mall only if there is a Shopper's Stop store inside. Proud to own this card since 2014.

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Yes, there are points which can be earned from Shopping but I prefer the Parking Ticket Redemption which gives me utmost pleasure.

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And the last would be PayTm Movies and Cashback upto ₹300 INR (100% Cashback).

Buy 1 and Get 1 Free and earlier, it was ₹500 INR.

Cashback & Points

calculations

If ₹1,00,000 INR is spent every year - ₹3,000 INR can be earned as Cashback

(₹3,000 INR - Redemption Cashback)

(Only for Shoppers Stop Transactions)

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If ₹2,00,000 INR is spent every year - ₹6,000 INR can be earned as Cashback

(₹6,000 INR - Redemption Cashback)

(Only for Shoppers Stop Transactions)

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If there is a Shoppers Stop in mall - ₹1,800 INR can be earned as Cashback

(₹1,800 INR - First Citizen Account Cashback)

(Only at Malls with Shoppers Stop even without any transactions at store, considering price as ₹30 INR)

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The Best Part is the tie-up with PayTm for movie bookings

If ₹36,000 INR is spent every year - ₹18,000 INR can be earned as Cashback/Discount

(₹18,000 INR - Direct Cashback/Discount)

(Only for Certain BIN Values)

(Earlier it was ₹500 INR per week, now its ₹300 INR per week)​

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Example - 1 Reward Point for Redemption is ₹0.6 INR

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Please note - Weekly means visiting mall once a week, 5 times a month and 60 times a year.

CHARGES

Joining Fee is Nil.

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Renewal Fee of ₹500 INR

(Waived on spending ₹30,000 INR)

CITIBANK - REWARDS

Again, a number one card. This is my first card which I got in the year 2013.
 

And the last would be PayTm Movies and Cashback upto ₹300 INR (100% Cashback).

Buy 1 and Get 1 Free and earlier, it was ₹500 INR.

Cashback & Points

calculations

If ₹1,00,000 INR is spent every year - ₹4,800 INR can be earned as Cashback

(₹4,800 INR - Redemption Cashback)

(Only for Apparel & Departmental Stores' Transactions)

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If ₹2,00,000 INR is spent every year - ₹9,600 INR can be earned as Cashback

(₹9,600 INR - Redemption Cashback)

(Only for Apparel & Departmental Stores' Transactions)

​

The Best Part is the tie-up with PayTm for movie bookings

If ₹36,000 INR is spent every year - ₹18,000 INR can be earned as Cashback/Discount

(₹18,000 INR - Direct Cashback/Discount)

(Only for Certain BIN Values)

(Earlier it was ₹500 INR per week, now its ₹300 INR per week)​

​

Example - 1 Reward Point for Redemption is ₹0.6 INR