Bank of Rajasthan Silver Credit Card
CancelGold's twin on every published number, and half the income to qualify.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Nothing published — no joining gift was advertised on the Silver card
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Bank of Rajasthan publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #977
Why #977 The lower rung of Bank of Rajasthan's lifetime-free pair, separated from Gold by an income floor and nothing else the bank ever printed. Carried for the record; the bank was amalgamated into ICICI Bank in August 2010.
The take
Silver is the reason Bank of Rajasthan's consumer shelf had two rungs instead of one, and the only thing that made it a different product is who was allowed to hold it. The eligibility document sets ₹1,00,000 of gross income against Silver and ₹2,00,000 against Gold, or — for the bank's own customers — an average six-month balance between ₹25,000 and ₹1 lakh instead of Silver's income proof, against ₹1 lakh or more for Gold. Every other published figure is identical: Nil in all four fee rows, one reward point per ₹100, up to 45 interest-free days, 2.95% a month revolving against the bank's own printed 41.75% APR, 3.5% with a ₹350 floor on foreign currency, and the same free United India Insurance group cover the bank paid for. Two named products with one set of terms is a shape this desk is usually suspicious of — a fee category dressed as a card. It isn't that here. The bank enumerates Silver as its own variant in three separate documents, gates it on its own income floor, and gives it its own column in the charges schedule. What it does not do is give the reader a reason to want Silver if Gold would have them. As with every card on this shelf, the arithmetic that would decide whether the points were worth chasing was never published. One point per ₹100 is a rate; a rate needs a rupee value to become a return, and Bank of Rajasthan printed a redemption process, an expiry and a floor — but never a conversion. The bank was amalgamated into ICICI Bank in August 2010.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Bank of Rajasthan publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — Nil in all four Silver fee rows of the charges schedule, add-on cards included
- The lowest bar on the shelf: ₹1,00,000 of gross income, or an average six-month balance of ₹25,000 for the bank's own customers
- One reward point per ₹100 spent, redeemable against your outstanding balance
- Up to 45 interest-free days
- The same free United India Insurance group cover as Gold — credit shield, purchase protection, hospitalisation and baggage, premium paid by the bank
Watch out
- WITHDRAWN — the Reserve Bank approved Bank of Rajasthan's amalgamation into ICICI Bank in August 2010
- THE POINT HAS NO PUBLISHED VALUE: the accrual rate is printed, the conversion rate never was
- Identical to the Gold card on every published fee, rate and feature — the income floor is the only difference the bank ever stated
- 500 reward points minimum before redemption, by posted paper form, with a one-year expiry on unredeemed points
- Revolving credit ran 2.95% a month, an APR the bank itself prints as 41.75%
- Foreign currency transactions cost 3.5% with a ₹350 minimum, plus interest
What these points actually fly
Bank of Rajasthan has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Bank of Rajasthan ceased to exist as a licensed bank on its amalgamation into ICICI Bank in August 2010, and the legacy book was closed to new applicants.
Bank of Rajasthan publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Bank of Rajasthan's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official Bank of Rajasthan's credit-card Eligibility Criteria (archived 29-Dec-2009) — the ₹1,00,000 income floor that defines Silver against Gold's ₹2,00,000
- official The last Credit Card Charges schedule Bank of Rajasthan published (archived 17-Sep-2010) — Nil across every Silver fee row, 2.95% a month revolving and 3.5% on foreign currency
- official Bank of Rajasthan's Credit Card Variants & Features page (archived 19-Nov-2010) — Silver named as its own variant, with the lifetime-free claim and the one-point-per-₹100 accrual
- official The Reward Points Redemption Program page (archived 19-Nov-2010) — the 500-point floor, the one-year expiry, and a conversion rate the bank reserves the right to change but never printed
- official Reserve Bank of India press release 2010-2011/232, 12 August 2010 — the sanctioned amalgamation of Bank of Rajasthan Ltd. into ICICI Bank Ltd., the reason this card cannot be applied for