Maruti Suzuki AutoCard
KeepAuto Points at a rupee each, earned at the service centre and spent against your next Maruti.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #893
Why #893 The most unusual card in Citi India's whole catalogue: a chip card whose points were priced at a rupee, earned on car servicing and fuel, and spendable against the purchase of your next car. Carried because no Indian issuer has built anything like it since.
The take
This is the card in Citi India's catalogue that most deserves to be remembered, and almost nobody does. Maruti Suzuki and Citi built a chip card — instant earn and instant redemption at the dealership terminal, which in the late 2000s was genuinely ahead of the market — whose currency was called Auto Points and which Maruti priced at one rupee each. You earned the top rate on servicing at participating dealerships and on Maruti genuine parts, oil and consumables; a middle rate on fuel at IndianOil; the base rate everywhere else in the world. Then the clever part: the points came out at the till at your dealership, or as IndianOil PetroVouchers in the first year, or — and this is the bit no Indian card does today — against the price of your next Maruti when you traded the old one in, with a further bonus of up to 20,000 points on the exchange itself. It cost nothing for life. Free Maruti on-road breakdown service came with it. As a travel card it is a blank: no lounge, no airline, no forex concession, no transfer. As a closed-loop earn-and-spend design it is better thought through than most of what is on sale now. It is long withdrawn, and Maruti's later co-brands are with other banks entirely.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹3,000 a year at ₹3,00,000 of annual spend
₹6,000 a year at ₹6,00,000 of annual spend
₹12,000 a year at ₹12,00,000 of annual spend
₹36,000 a year at ₹36,00,000 of annual spend
₹60,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
Citibank 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 the numbers above are the whole 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
- Free for life in Citi's own printed words
- Maruti priced the currency itself: an Auto Point redeemed at par, one point to the rupee, against your next car at trade-in
- A chip card that earned and redeemed instantly at the dealership terminal, years before that was normal in India
- Points also came out as IndianOil PetroVouchers in the first membership year, or against servicing and parts at participating dealerships
- Free Maruti Suzuki On-Road Service for emergency breakdowns, plus a driver-training discount in Delhi
Watch out
- WITHDRAWN — gone from Citi India's range before the Axis Bank handover, and not one of the nine products on Axis's Forward Together site
- THE VALUE ONLY EXISTED INSIDE MARUTI: points came out at dealerships, at IndianOil, or against a new Maruti — no cash, no statement credit, no airline and no hotel
- The best rate needed PARTICIPATING dealerships and select service stations, so a service at the wrong workshop paid the base rate
- The PetroVoucher exit was first-year-only by Citi's own wording — after that the fuel earn had to be spent inside the Maruti network
- The referral, per-service and trade-in bonuses are keyed on EVENTS rather than on annual spend, so none of them is in the card's value — and Citi's own page never reconciled 'up to 5000' against the masthead's 'up to 20,000'
- No lounge access, no travel accelerator, no forex concession and no airline conversion
What these points actually fly
No live transfer route takes Citibank Maruti Auto Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
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. The card was withdrawn from Citi India's range before the bank sold its Indian consumer business to Axis Bank, and citibank.co.in no longer resolves. It has no successor on Axis's Forward Together migration site, and Maruti Suzuki's later co-brands are issued by other banks.
Citibank 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
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Apr 2021Citi announces exit from Indian consumer bankingCiti credit cards, retail and wealth in India → Consumer business up for sale (later to Axis)
Citi called time on its Indian consumer arm — including its cult PremierMiles and Rewards cards — citing a lack of scale. The portfolio would eventually pass to Axis, ending one of India's most-loved rewards ecosystems.
- 12 Oct 2019Citi India guts reward earning on utilities, insurance, and tax
- 1 Dec 2017Citi PremierMiles' 10X 'Extra' partner program dies for good
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
- 16 Jul 2012Citibank kills Jet Airways co-brand, pivots to PremierMiles
- 16 Jul 2012Citibank Retires 13-Year Jet Airways Co-Brand, Launches PremierMiles
Every Citibank change we've dated → 7 events since 2012, 4 of them nerfs — worst year 2019.
Verified against Citibank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Citibank India's own Maruti Suzuki AutoCard product page (archived 23-Nov-2012) — "This Card comes to you Free for Life", the Auto Points table and the par redemption at trade-in
- official "Forward Together", Axis Bank's Citi-transition site — the closed nine-product set Citi India still had at the handover, which does not include this card