Reliance Silver Credit Card
CancelThe Gold's accrual table, the Gold's fee, half the sign-up voucher. That is the whole difference.
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 #892
Why #892 The junior half of Citi's Reliance pair, and a case study in a tiering that isn't one: same rate, same fee, half the sign-up voucher. Carried because Citi sold it as its own product and because saying so plainly is more useful to a reader than quietly filing one card.
The take
Put this page next to the Reliance Gold's and the tiering evaporates. Same free-for-life fee. Same four-tier accrual table, to the word: the top rate for spends made by standing instruction against a Reliance post-paid mobile bill, a middle rate at Adlabs and at select Reliance World and Reliance Communications products, the base rate on everything else including any other standing instruction. Same five add-ons free for life. Same IndianOil fuel-surcharge waiver. The only published difference in the entire document is the sign-up voucher, which is ₹200 here against the Gold's ₹400 — ₹100 for Reliance World broadband and gaming, ₹100 for a popcorn credit at Adlabs. That is a one-time ₹200 gap between two cards that then behave identically forever, and it is worth knowing because "Gold" and "Silver" in Indian card marketing usually imply a rate difference and here they did not. The rest is the same story as its sibling: every tier above the base was tied to Reliance properties that no longer exist, and the card is long withdrawn. As a travel card it was always a blank.
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
₹1,400 a year at ₹3,00,000 of annual spend
₹2,800 a year at ₹6,00,000 of annual spend
₹5,600 a year at ₹12,00,000 of annual spend
₹16,800 a year at ₹36,00,000 of annual spend
₹28,000 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, with up to five add-on cards also free for life
- The accrual table is identical to the Reliance Gold's — the same top rate for a standing instruction against a Reliance post-paid bill
- Sign-up vouchers worth ₹200 in total: ₹100 for Reliance World broadband and gaming, ₹100 for a popcorn credit at Adlabs
- Fuel-surcharge waiver at IndianOil outlets, taking Citi's stated 2.5% surcharge to zero
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 ONLY DIFFERENCE FROM THE GOLD IS A ONE-TIME ₹200 VOUCHER: fee, accrual table, add-on rule and fuel waiver are word-for-word identical, so the Silver/Gold naming implies a rate gap that does not exist
- EVERY ACCELERATOR WAS TIED TO A DEAD ECOSYSTEM: Adlabs, Reliance World and Reliance Communications outlets are all gone
- No lounge access, no co-brand airline, no travel accelerator, no forex concession and no conversion out
- The earn is IDENTICAL to the Gold's, table for table — what separated the two cards was the fee and the sign-up benefit, never the rate
What these points actually fly
No live transfer route takes Citibank Reward 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 →
What earns, what doesn't
1 sourced rule
Citi's own product page, read from the archive — a byte-identical accrual table to the Gold sibling: "5 Rewards Points | For every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)" against "1 Rewards Point | For every Rs. 150 spent on all other spends including other standing instructions". The card is closed and the live host is gone; only the telecom row is asserted here.
- Telecom · accelerated 5 Rewards Points per ₹150 (2.33%) on a Reliance post-paid mobile bill paid by standing instruction — Citi's own accrual table — against the 1 Rewards Point per ₹150 (0.47%) every other phone bill and every other standing instruction earns; no cap was published. Archived 2012 terms for a closed card, not a live rate
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.
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
8 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 Jul 2024Citibank India credit cards fully migrate to AxisCiti-branded cards and systems → Axis Bank platform
The Citi era in India formally ends: card numbers and limits stayed put, but statements, apps and rewards now run on Axis. The prized Citi rewards ecosystem effectively closed, pushing its loyalists into the Axis stack.
- 30 Mar 2022Axis Bank agrees to buy Citi India's consumer banking armCiti India winding down with no confirmed buyer → Axis to acquire Citi cards, retail bank for ₹12,325 cr
Axis Bank signed to take over Citi's ~2.5 million Indian credit cards, retail banking and wealth business for ₹12,325 crore — the biggest shake-up of India's premium card landscape since the RBI bans. Every Citi Prestige and PremierMiles holder now knew exactly whose EDGE Rewards ecosystem they'd eventually land in.
- 15 Apr 2021Citi announces exit from Indian consumer banking
- 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 2016IndusInd JetPrivilege card kills weekend miles bonanza
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
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 Reliance Silver Credit Card product page (archived 23-Nov-2012) — the free-for-life fee, the accrual table and the ₹200 sign-up vouchers
- 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