DevchandraSah/indian-credit-card-facts huggingface dataset:
Marriott Bonvoy HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC PIXEL Go Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Bank UPI RuPay Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
PhonePe HDFC Bank Ultimo Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
IRCTC HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
Swiggy BLCK HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Bank Freedom Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — reward, devaluation, magnitude major
Base earn rate cut ~25% (per ₹150 → per ₹200)
Before: 1 CashPoint per ₹150
After: 1 CashPoint per ₹200
HDFC Bank Freedom Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — reward, devaluation, magnitude minor
Base earn rate cut
Before: 4 RP per ₹150 (~1.33%)
After: 5 RP per ₹200 (~1.25%)
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
INR-DCC markup and card-replacement fee added
Before: No INR-DCC surcharge; free replacement
After: 1.75% DCC markup + ₹199 reissue fee
Tata Neu Infinity HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC MoneyBack+ Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC MoneyBack+ Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — reward, devaluation, magnitude major
Earn rate cut ~25%: per ₹150 raised to per ₹200
Before: 20 CashPoints per ₹150 (10X); 2 per ₹150 (base)
After: 20 CashPoints per ₹200 (10X); 2 per ₹200 (base)
HDFC PIXEL Play Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
Swiggy Ornge HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Diners Club Black Metal Edition (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
Shoppers Stop HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
Shoppers Stop Black HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
IndianOil HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Millennia Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
Tata Neu Plus HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
HDFC Bank Infinia Metal Credit Card (HDFC Bank)
Change effective 2026-05-15 (announced ) — fee, devaluation, magnitude minor
Dynamic currency conversion markup raised to 1.75%
Before: 1% markup
After: 1.75% markup
RBL Bank Patanjali Vishisht Credit Card (RBL Bank)
Change effective 2026-05-10 (announced 2026-05) — milestone, devaluation, magnitude major
Milestone spend thresholds more than doubled
Before: Voucher at ₹2.5L spend; wellness stay at ₹4L spend
After: Voucher at ₹7L spend; wellness stay at ₹10L spend
RBL Bank Patanjali Swarn Credit Card (RBL Bank)
Change effective 2026-05-10 (announced 2026-05) — milestone, devaluation, magnitude major
Milestone spend thresholds tripled, and the Patanjali minimums rose more than tenfold
Before: Voucher at ₹3L total spend (₹12,000 minimum at Patanjali); wellness stay at ₹5L total (₹15,000 Patanjali minimum)
After: Voucher at ₹9L total spend (₹1.5L minimum at Patanjali); wellness stay at ₹12L total (₹2.5L Patanjali minimum)
Kotak Cashback+ Prime Credit Card (Kotak Mahindra Bank)
Change effective 2026-05-08 (announced ) — launch, neutral, magnitude major
Kotak Cashback+ Prime launched — Cashback+ with an auto-dealer accelerator
After: 5% on online food/grocery/entertainment and auto dealers, 3% fuel, 0.5% base
Kotak Air+ Prime Credit Card (Kotak Mahindra Bank)
Change effective 2026-05-08 (announced ) — launch, neutral, magnitude major
Kotak Air+ Prime launched — Air+ with an auto-dealer accelerator
After: 5 Air Miles per ₹100 on Unbox travel and auto dealers, 2 per ₹100 base
AU Ananta Credit Card (AU Small Finance Bank)
Change effective 2026-05-04 (announced ) — launch, neutral, magnitude major
AU Ananta launches as part of a four-card cluster
AU Tejas Credit Card (AU Small Finance Bank)
Change effective 2026-05-04 (announced ) — launch, neutral, magnitude major
AU Tejas launches as part of a four-card cluster
AU Prathama Credit Card (AU Small Finance Bank)
Change effective 2026-05-04 (announced ) — launch, neutral, magnitude major
AU Prathama launches as AU's cheapest first card
AU Laksya Credit Card (AU Small Finance Bank)
Change effective 2026-05-04 (announced ) — launch, neutral, magnitude major
AU Laksya launches as part of a four-card cluster
BPCL SBI Card (SBI Card)
Change effective 2026-05-01 (announced 2026-03-29) — fee, devaluation, magnitude minor
Fee-waiver spend threshold doubled
Before: ₹50,000 annual spend
After: ₹1,00,000 annual spend
YES Bank Essence Credit Card (YES Bank)
Change effective 2026-05 (announced ) — launch, neutral, magnitude major
YES Bank Essence launches as a women-focused lifestyle rewards card
CheQ AU Credit Card (AU Small Finance Bank)
Change effective 2026-04-28 (announced 2026-04-15) — launch, neutral, magnitude major
CheQ AU Credit Card launched — India's first co-branded LED card
After: Up to 12% CheQ-points on utilities, partner brands & CheQ Travel via the app; ₹499 fee (waived at ₹3L); RuPay UPI-linkable
Kiwi RuPay Credit Card (YES Bank)
Change effective 2026-04-23 (announced ) — benefit, neutral, magnitude minor
PNB added — Kiwi's first public-sector issuer
After: + Punjab National Bank
Swiggy HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-04-21 (announced 2026-03-18) — reward, devaluation, magnitude minor
₹249 minimum per Swiggy transaction for 10% cashback
Before: ₹100 per transaction
After: ₹249 per transaction
Swiggy HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-04-18 (announced 2026-03-18) — redemption, revaluation, magnitude minor
Cashback starts adjusting within the same billing cycle
Before: Credited in the following billing cycle
After: Adjusted within the same billing cycle
Swiggy HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-04-17 (announced 2026-03-18) — reward, revaluation, magnitude minor
Cleartrip joins the 5% online cashback bucket
Before: No Cleartrip benefit
After: 5% cashback on Cleartrip, inside the existing 5% online ₹1,500/cycle cap
HDFC PIXEL Play Credit Card (HDFC Bank)
Change effective 2026-04-15 (announced ) — reward, devaluation, magnitude minor
Insurance CashPoints cap tightened from per-day to per-month
Before: Capped at 2,000 CashPoints per DAY
After: Capped at 2,000 CashPoints per MONTH
HDFC PIXEL Play Credit Card (HDFC Bank)
Change effective 2026-04-15 (announced ) — reward, devaluation, magnitude minor
The 1% base rate stops being unlimited — capped at 15,000 CashPoints a month
Before: 1% Unlimited CashPoints
After: 1% capped at 15,000 CashPoints per calendar month
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2026-04-13 (announced 2026-04-03) — lounge, devaluation, magnitude major
Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarter
Before: ₹20,000/quarter for 2 visits
After: ₹50,000/quarter for 2 visits
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2026-04-13 (announced 2026-04-03) — milestone, revaluation, magnitude minor
New quarterly milestone benefit added
Before: None
After: 5,000 bonus reward points on ₹75,000 spend per calendar quarter
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2026-04-13 (announced 2026-04-03) — reward, devaluation, magnitude major
Reward rate flattened; transportation and off-ixigo travel spends excluded
Before: 10 RP/₹200 online, 5 RP/₹200 offline
After: Flat rate across online, offline and UPI (CardInsider states it as "2.5%" per ₹200, replacing the two-tier online/offline structure)
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2026-04-13 (announced 2026-04-03) — benefit, revaluation, magnitude minor
ixigo flight and hotel discount caps tripled
Before: 10% instant discount up to ₹1,000/month each
After: 10% instant discount up to ₹3,000/month each
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-04-12 (announced ) — reward, devaluation, magnitude major
10% partners switched to Zomato/Blinkit/District, paid as partner-wallet value-back
Before: 10% cashback on Swiggy, Zomato & BigBasket (to card statement)
After: 10% value-back on Zomato, Blinkit & District Movies (to partner wallet), ₹200/partner/month, ₹499 min order
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-04-12 (announced ) — lounge, devaluation, magnitude major
Complimentary domestic lounge access discontinued
Before: 4 complimentary domestic visits/year (spend-gated)
After: None
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-04-12 (announced ) — reward, devaluation, magnitude major
Fixed ₹250 caps replaced by spend-linked 2×/1× base-cashback caps
Before: Flat ₹250/month per category
After: 25% capped at 2× and 10% at 1× the base (1%) cashback earned that month
HDFC PIXEL Play Credit Card (HDFC Bank)
Change effective 2026-04-11 (announced ) — benefit, neutral, magnitude minor
Limited-edition FIFA World Cup 2026 design variant added
AU Bank Xcite Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation-category spends stop earning rewards
AU Bank Vetta Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — lounge, devaluation, magnitude major
Domestic lounge spend-gate raised to ₹50,000/quarter
Before: ₹20,000 minimum spend per calendar quarter (since 2025-01-01)
After: ₹50,000 minimum spend per calendar quarter
AU Bank Vetta Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned base reward points
After: No rewards on transportation MCCs
AU Xcite Ultra Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — lounge, devaluation, magnitude minor
Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarter
Before: 2 domestic lounge visits/quarter, gated on ₹20,000 spend in the prior quarter
After: 2 domestic lounge visits/quarter, gated on ₹50,000 spend in the prior quarter
AU Xcite Ultra Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned reward points
After: No reward points on transportation MCCs
AU Traverse Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation-category spends stop earning reward points
Before: Rail, transit, toll and similar transportation MCCs earned reward points
After: 11 transportation MCCs excluded from reward earning
AU Xcite Ace Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — lounge, devaluation, magnitude minor
Airport-lounge spend-gate raised ₹20,000 → ₹50,000/quarter
Before: ₹20,000 previous-quarter spend for 2 domestic lounge visits
After: ₹50,000 previous-quarter spend for 2 domestic lounge visits
AU Xcite Ace Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning cashback
Before: Transportation spends earned milestone cashback
After: No cashback on transportation MCCs
AU SPONT Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — lounge, devaluation, magnitude major
Domestic lounge spend-gate raised to ₹50,000/quarter
Before: ₹20,000 minimum spend per calendar quarter
After: ₹50,000 minimum spend per calendar quarter
AU SPONT Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation-category spends stop earning cashback
Before: 1% cashback earned on transportation spend (rail, transit, tolls and similar MCCs)
After: transportation MCCs excluded from the 1% cashback
AU NOMO Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned the standard 2 RP/₹100 retail rate
After: No rewards on transportation MCCs
AU CA Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning reward points
Before: Rail, transit, toll and related transportation MCCs earned rewards under Travel
After: Rail, transit, tolls and 11 named transportation MCCs (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523) excluded from earning
AU Altura Plus Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned cashback/points
After: No rewards on transportation MCCs
AU Kosmo Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned base cashback
After: No rewards on transportation MCCs
AU Zenith Plus Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation-category spends earned reward points
After: No reward points on transportation MCCs
AU Altura Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned cashback
After: No rewards on transportation MCCs
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2026-04-10 (announced ) — reward, devaluation, magnitude minor
Transportation spends stop earning rewards
Before: Transportation spends earned base/pack rewards
After: No rewards on transportation MCCs
Axis Bank Burgundy Private Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude minor
EDGE transfer partners culled — Burgundy Private alone keeps 5:4 ratio
Before: Accor Live Limitless, Marriott Bonvoy, Qatar Airways Privilege Club at 5:4
After: British Airways, Finnair, Vietnam Airlines Lotusmiles at 5:4 (ratio retained, partners downgraded)
Axis Bank Select Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude minor
EDGE Reward Points transfer-partner roster culled
Axis Bank Rewards Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude minor
EDGE Reward Points transfer-partner roster culled
Axis Bank Horizon Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude major
Accor, Marriott and Qatar removed as transfer partners
Before: Accor, Marriott Bonvoy and Qatar Airways transferable 1:1
After: All three removed; replacement partners (British Airways, Finnair, Vietnam Airlines) added at 2:1
Axis Bank Atlas Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude major
Accor, Marriott and Qatar removed as transfer partners
Before: Accor / Marriott / Qatar available; Atlas transfers 1:2
After: Those three removed; British Airways, Finnair, Vietnam Airlines added at 2:1 for Atlas
Axis Bank Olympus Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude major
EDGE Miles transfer cull halves the Avios ratio
Before: 1 EDGE Mile : 4 Avios
After: 1 EDGE Mile : 2 Avios
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude minor
EDGE Reward Points transfer-partner roster culled
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — milestone, devaluation, magnitude minor
Remaining milestone benefits discontinued
Before: Annual ₹15L milestone (25,000 EDGE Reward Points)
After: Milestones discontinued
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-04-02 (announced ) — transfer, devaluation, magnitude major
Transfer program gutted — Accor, Marriott and Qatar removed
Before: Accor, Marriott and Qatar Airways in the partner set at 5:2
After: All three removed; BA, Finnair and Lotusmiles added at 5:1
Snapdeal BOBCARD Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
Landmark Rewards SBI Card PRIME (SBI Card)
Change effective 2026-04-01 (announced ) — redemption, devaluation, magnitude major
Statement-credit redemption capped
Before: Uncapped, any amount
After: Max 60,000 pts/month, in 4,000-pt multiples
Doctor's SBI Card (SBI Card)
Change effective 2026-04-01 (announced 2026-02-26) — redemption, devaluation, magnitude minor
Statement-credit redemption capped & blocked into 4,000-point multiples
Before: Unrestricted statement-credit redemption, any point quantity
After: Max 60,000 RP/month; redeemable only in multiples of 4,000
Shaurya Select SBI Card (SBI Card)
Change effective 2026-04-01 (announced 2026-02-26) — redemption, devaluation, magnitude minor
Statement-credit redemption capped & blocked into 4,000-point multiples
Before: Unrestricted statement-credit redemption, any point quantity
After: Max 60,000 RP/month; redeemable only in multiples of 4,000
Bank of Baroda Premier Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
BOBCARD Easy Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
IndusInd Bank Pioneer Legacy Credit Card (IndusInd Bank)
Change effective 2026-04-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access becomes spend-gated at ₹1.5 lakh a quarter
Before: Complimentary domestic visits, no spend condition
After: ₹1.5 lakh previous-quarter spend to unlock each domestic visit
BOBCARD Select Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
ICICI Bank HPCL Coral Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude major
BookMyShow movie benefit becomes spend-gated
Before: Complimentary movie discount
After: Requires ₹25,000 spend in the previous quarter
IRCTC BOBCARD RuPay Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
Adani One ICICI Bank Platinum Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude major
BookMyShow movie benefit becomes spend-gated
Before: Movie discount available unconditionally
After: Requires Rs 25,000 spend in the previous quarter
ICICI Bank Expressions Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude major
BookMyShow movie benefit becomes spend-gated
Before: Complimentary movie benefit
After: Requires ₹25,000 spend in the previous quarter
ICICI Bank Coral Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude major
BookMyShow movie benefit becomes spend-gated
Before: Ungated — 25% off up to ₹100 on BookMyShow and INOX, twice a month
After: Same discount, but requires ₹25,000 spend in the previous quarter
Kotak White Credit Card (Kotak Mahindra Bank)
Change effective 2026-04-01 (announced ) — lounge, devaluation, magnitude major
Lounge access spend-gated at ₹1,00,000 a quarter
Before: 2 complimentary airport lounge visits a quarter, unconditional
After: ₹1,00,000 spend in a calendar quarter unlocks 2 visits the next quarter
Kotak White Credit Card (Kotak Mahindra Bank)
Change effective 2026-04-01 (announced ) — milestone, devaluation, magnitude minor
Transportation & education dropped from White Pass milestone maths
Before: Transportation and education spends counted toward White Pass milestones
After: Both categories excluded from the milestone calculation
IndusInd Bank Celesta Credit Card (IndusInd Bank)
Change effective 2026-04-01 (announced ) — lounge, devaluation, magnitude major
Unlimited domestic lounge access gated behind ₹1.5L quarterly spend
Before: Unlimited domestic lounge access, unconditional
After: Unlimited — but only if ₹1,50,000 spent in the previous quarter
HPCL ENERGIE BOBCARD Credit Card (BOBCARD)
Change effective 2026-04-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on toll/bus, high-value rail and third-party education spends
Before: None
After: 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)