DevchandraSah/indian-credit-card-facts huggingface dataset:
Axis Bank MyZone Credit Card (Axis Bank)
Change effective 2026-04-01 (announced 2026-03-11) — milestone, devaluation, magnitude major
SonyLIV renewal milestone replaced by 1,000 EDGE points
Before: SonyLIV Premium renewal (~₹1,499)
After: 1,000 EDGE points (~₹200)
SBI Card PRIME (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
Titan 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
SBI Cashback Credit Card (SBI Card)
Change effective 2026-04-01 (announced 2026-03-02) — reward, devaluation, magnitude major
Second devaluation — ₹4,000 combined cap, sub-caps and new exclusions
Before: ₹5,000/cycle combined cap
After: ₹2,000 online + ₹2,000 offline = ₹4,000/cycle; 5% stops at ₹40,000 online
SBI SimplySAVE Credit Card (SBI Card)
Change effective 2026-04-01 (announced ) — redemption, devaluation, magnitude minor
Statement-credit redemption capped and forced into 4,000-point blocks
Before: Any point balance, no monthly ceiling
After: Max 60,000 points/month, only in multiples of 4,000 (₹1,000)
Paytm SBI Card SELECT (SBI Card)
Change effective 2026-04-01 (announced 2026-02-26) — redemption, devaluation, magnitude minor
Statement-credit redemption capped
Before: Unrestricted RP redemption to statement credit
After: Max 60,000 RP/month, in 4,000-point multiples
ICICI Bank Rubyx Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude minor
BookMyShow movie benefit becomes spend-gated
Before: Complimentary
After: Requires ₹25,000 spend in previous quarter
Doctor's SBI Card (in Association with IMA) (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
Landmark Rewards SBI Card (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
IDFC FIRST Wealth Credit Card (IDFC FIRST Bank)
Change effective 2026-04-01 (announced ) — lounge, devaluation, magnitude minor
Complimentary lounge visits halved
Before: 2 domestic + 2 international per quarter
After: 1 domestic + 1 international per quarter
IDFC FIRST Hello Cashback Credit Card (IDFC FIRST Bank)
Change effective 2026-04 (announced ) — fee, revaluation, magnitude minor
Zero-joining-fee introductory offer extended to 31 August 2026
Before: ₹0 intro offer, originally slated to end 31 March 2026
After: ₹0 intro offer extended — now valid till 31 August 2026 (standing fee ₹1,000)
Landmark Rewards SBI Card SELECT (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
IndusInd Bank Pinnacle Credit Card (IndusInd Bank)
Change effective 2026-04-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access gated behind ₹1.5L quarterly spend
Before: 1 complimentary domestic visit per quarter, unconditional
After: 1 per quarter — only if ₹1,50,000 spent in the previous quarter
IndusInd Bank Pioneer Heritage Credit Card (IndusInd Bank)
Change effective 2026-04-01 (announced ) — benefit, devaluation, magnitude minor
Metal card replaced with plastic
Before: Metal card
After: Plastic card (features unchanged)
SBI Card Unnati (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 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
BOBCARD Cashback 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)
IDFC FIRST Select Credit Card (IDFC FIRST Bank)
Change effective 2026-04-01 (announced 2025-12-18) — lounge, devaluation, magnitude minor
Domestic airport lounge halved to 1/quarter
Before: 2 per quarter
After: 1 per quarter
SBI Card AURUM (SBI Card)
Change effective 2026-04-01 (announced ) — redemption, devaluation, magnitude major
Statement-credit redemption capped
Before: Uncapped, any amount
After: ≤60,000 pts/month, in 4,000-pt multiples
BOBCARD Prime 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 Sapphiro Credit Card (ICICI Bank)
Change effective 2026-04-01 (announced 2025-12-17) — benefit, devaluation, magnitude minor
BookMyShow movie benefit becomes spend-gated
Before: Complimentary buy-one-get-one, twice a month
After: Requires ₹25,000 spend in the previous quarter
Adani One ICICI Bank Signature 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 buy-one-get movie offer, twice a month
After: Requires ₹25,000 spend in the previous quarter
IRCTC SBI Platinum 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 Eterna 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)
HDFC Bank Infinia Metal Credit Card (HDFC Bank)
Change effective 2026-04-01 (announced 2026-02-26) — eligibility, devaluation, magnitude major
Retention tightened — ₹18L spend or ₹50L relationship
Before: No published spend or relationship test for continued access
After: ₹18L card spend OR ₹50L relationship value
Jupiter Edge+ CSB Bank RuPay Credit Card (CSB Bank)
Change effective 2026-03-21 (announced ) — reward, devaluation, magnitude major
Shopping 10% category re-capped and gift cards / bills / groceries excluded
Before: ₹1,500/month, ₹500/merchant; broad category
After: ₹2,000/month, ₹600/merchant, ₹200/txn; exclusions added
Marriott Bonvoy HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-03-12 (announced ) — redemption, revaluation, magnitude minor
Free Night Award top-up limit raised to 25,000 points
Before: Top up a Free Night certificate with up to 15,000 points
After: Top up a Free Night certificate with up to 25,000 points
Swiggy BLCK HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-03-12 (announced 2026-03-07) — launch, neutral, magnitude major
Swiggy BLCK launched as the premium tier of the split Swiggy HDFC card
Before: Single Swiggy HDFC Bank Credit Card (₹500)
After: Swiggy BLCK (₹1,000, premium) + Swiggy Ornge (₹500, entry)
Swiggy Ornge HDFC Bank Credit Card (HDFC Bank)
Change effective 2026-03-12 (announced ) — launch, neutral, magnitude major
Swiggy Ornge HDFC Bank Credit Card launched (Swiggy card split into Ornge + BLCK)
IndusInd Bank Celesta Credit Card (IndusInd Bank)
Change effective 2026-03-10 (announced ) — benefit, neutral, magnitude minor
Golf benefit restructured to 1 game + 1 lesson per month
After: 1 complimentary game + 1 complimentary lesson per month
IndusInd Bank Crest Credit Card (IndusInd Bank)
Change effective 2026-03-10 (announced ) — benefit, devaluation, magnitude major
Complimentary golf halved to 2 games and 2 lessons a month
Before: 4 games and 4 lessons a month
After: 2 games and 2 lessons a month
American Express Platinum Travel Credit Card (American Express)
Change effective 2026-03-09 (announced 2026-02-04) — milestone, devaluation, magnitude major
Major milestone devaluation — Taj voucher pushed to ₹7L
Before: ₹1.9L→15,000 MR; ₹4L→25,000 MR + ₹10,000 Taj voucher
After: ₹1.9L→7,500 MR; ₹4L→10,000 MR; ₹7L→22,500 MR + ₹10,000 Taj voucher
Paytm SBI Card SELECT (SBI Card)
Change effective 2026-03-09 (announced ) — reward, devaluation, magnitude minor
School and education spends stop earning
Before: Reward Points earned
After: No Reward Points on MCC 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351
Paytm SBI Card (SBI Card)
Change effective 2026-03-09 (announced ) — reward, devaluation, magnitude minor
School and education spends stop earning
Before: Reward Points earned
After: No Reward Points on MCC 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351
IndusInd Bank Pioneer Legacy Credit Card (IndusInd Bank)
Change effective 2026-03-05 (announced ) — benefit, devaluation, magnitude major
Golf cut to 2 a month and counted per customer, not per card
Before: 4 games and 4 lessons a month, tiered by course type
After: 2 games and lessons a month at any course, capped per customer
IndusInd Bank Pioneer Heritage Credit Card (IndusInd Bank)
Change effective 2026-03-05 (announced ) — benefit, devaluation, magnitude major
Golf capped at 4 a month and counted per customer, not per card
Before: Separate premium / regular course tiers, capped per card
After: 4 games and lessons a month at any course, capped per customer
Scapia Credit Card (Federal Bank)
Change effective 2026-02-27 (announced ) — reward, devaluation, magnitude major
Insurance and utility spends dropped from earning
Scapia Credit Card (Federal Bank)
Change effective 2026-02-27 (announced ) — lounge, devaluation, magnitude major
Lounge spend gate doubled to ₹20,000/month
Before: ₹10,000/month
After: ₹20,000/month
HSBC TravelOne Credit Card (HSBC)
Change effective 2026-02-19 (announced ) — benefit, revaluation, magnitude minor
4 chauffeur airport transfers added for 2026
Before: None
After: 4 complimentary chauffeur transfers/year (1 per quarter)
IndiGo Axis Bank Credit Card (Axis Bank)
Change effective 2026-02-18 (announced ) — launch, neutral, magnitude major
IndiGo Axis Bank Credit Card launches
IndiGo Axis Bank Premium Credit Card (Axis Bank)
Change effective 2026-02-18 (announced ) — launch, neutral, magnitude major
IndiGo Axis Bank Premium Credit Card launches
IDFC FIRST Hello Cashback Credit Card (IDFC FIRST Bank)
Change effective 2026-02-16 (announced ) — launch, neutral, magnitude major
IDFC FIRST Hello Cashback launched
ICICI Bank HPCL Coral Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹10,000 per statement cycle
ICICI Bank Platinum Chip Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹10,000 per statement cycle
ICICI Bank Emeralde Private Metal Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹20,000 per statement cycle
ICICI Bank Emeralde Credit Card (Metal) (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹20,000 per statement cycle
ICICI Bank Expressions Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹10,000 per statement cycle
ICICI Bank Coral Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹10,000 per statement cycle
Kotak Air Credit Card (Kotak Mahindra Bank)
Change effective 2026-02 (announced ) — launch, neutral, magnitude major
Kotak Air launched — entry rung of the Air Miles travel family
American Express Platinum Travel Credit Card (American Express)
Change effective 2026-02-01 (announced 2026-02-02) — benefit, neutral, magnitude minor
Reward Multiplier e-voucher portal moved Gyftr → ShopWise
Before: Gyftr
After: ShopWise
ICICI Bank Rubyx Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹20,000 per statement cycle
RBL Bank World Safari Lite Credit Card (RBL Bank)
Change effective 2026-02 (announced ) — launch, neutral, magnitude major
World Safari Lite launched — the affordable 0% forex sibling
American Express Platinum Reserve Credit Card (American Express)
Change effective 2026-02-01 (announced ) — redemption, neutral, magnitude minor
Reward Multiplier portal migrated to ShopWise
Before: Gyftr
After: ShopWise (Giftstacc)
ICICI Bank Sapphiro Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced 2025-12-17) — reward, devaluation, magnitude minor
Transport-category earning capped
Before: Transport spends earned uncapped
After: Transport rewards capped at ₹20,000 per statement cycle
ICICI HPCL Super Saver Credit Card (ICICI Bank)
Change effective 2026-02-01 (announced ) — reward, devaluation, magnitude minor
Insurance-category earning capped
Before: Insurance spends earned uncapped
After: Insurance rewards capped at ₹40,000 per statement cycle
IDFC FIRST Mayura Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, devaluation, magnitude major
International earn halved to 5X
Before: 10X (10 RP per ₹150)
After: 5X (5 RP per ₹150)
IDFC FIRST WOW! Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, devaluation, magnitude major
Second base-earn cut — re-pegged from ₹150 to ₹200, FASTag/railway to 1X
Before: 4 pts / ₹150
After: 4 pts / ₹200
IDFC FIRST Power Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, revaluation, magnitude minor
Bonus reward points on travel booked in the IDFC FIRST app
Before: No app-booking bonus
After: 50X bonus on hotels, 30X bonus on flights
IDFC FIRST Power Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — fee, devaluation, magnitude minor
Fair-usage fees on heavy FASTag and railway spends
Before: No FASTag or railway spend fee
After: 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle
IDFC FIRST Power Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude major
Whole cycle's reward points forfeited if minimum due is missed
Before: Points accrued regardless of payment behaviour
After: No points for any cycle where the minimum amount due is unpaid by the due date
LIC Classic Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, revaluation, magnitude minor
Bonus reward points on travel booked in the IDFC FIRST app
Before: No app-booking bonus
After: 45X bonus on hotels, 20X bonus on flights
LIC Classic Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude minor
FASTag folded into the capped Essentials bucket
Before: FASTag earned 3X outside the Essentials ceiling
After: FASTag counts within Essentials — still 3X, but sharing its 300 RP/cycle ceiling
LIC Classic Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — fee, devaluation, magnitude minor
Fair-usage fees on heavy FASTag and railway spends
Before: No FASTag or railway spend fee
After: 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle
LIC Classic Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude major
Whole cycle's reward points forfeited if minimum due is missed
Before: Points accrued regardless of payment behaviour
After: No points for any cycle where the minimum amount due is unpaid by the due date
LIC Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, revaluation, magnitude minor
Bonus reward points on travel booked in the IDFC FIRST app
Before: No app-booking bonus
After: 45X bonus on hotels, 20X bonus on flights
LIC Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude minor
FASTag folded into the capped Essentials bucket
Before: FASTag earned 5X outside the Essentials ceiling
After: FASTag counts within Essentials — still 5X, but sharing its 600 RP/cycle ceiling
LIC Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — fee, devaluation, magnitude minor
Fair-usage fees on heavy FASTag and railway spends
Before: No FASTag or railway spend fee
After: 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle
LIC Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude major
Whole cycle's reward points forfeited if minimum due is missed
Before: Points accrued regardless of payment behaviour
After: No points for any cycle where the minimum amount due is unpaid by the due date
IDFC FIRST Digital RuPay Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, devaluation, magnitude major
Earn re-pegged: 1 point per ₹200 for the lifetime-free family
Before: 1 reward point per ₹150 for all eligible primaries
After: 1 point per ₹200 when attached to Millennia/Classic/Select/Wealth/Family/WOW!/WOW! Black/Business Multiplier; ₹150 retained for Private/Ashva/Mayura/Diamond Reserve/FIRST Business
IDFC FIRST Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, devaluation, magnitude minor
FASTag & railway spends cut to 1X, plus high-usage fees
Before: Earned at base rate, counted toward 10X threshold
After: 1X only; excluded from 10X threshold; 1% high-usage fee
IDFC FIRST Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, revaluation, magnitude minor
In-app travel accelerators added (33% hotel / 13% flight)
Before: No app-booking bonus
After: 33% bonus RP on hotels, 13% bonus RP on flights (IDFC FIRST app)
IDFC FIRST Select Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude major
Reward base cut ₹150→₹200 per point (~25%)
Before: 1 reward point per ₹150
After: 1 reward point per ₹200
IDFC FIRST Ashva Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, devaluation, magnitude major
International earn halved; top rate spend-gated
Before: 10X (10 RP/₹150)
After: 5X (5 RP/₹150)
IDFC FIRST HPCL Power+ Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced ) — reward, revaluation, magnitude minor
Bonus reward points on travel booked in the IDFC FIRST app
Before: No app-booking bonus
After: 50X bonus on hotels, 30X bonus on flights
IDFC FIRST HPCL Power+ Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — fee, devaluation, magnitude minor
Fair-usage fees on heavy FASTag and railway spends
Before: No FASTag or railway spend fee
After: 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle
IDFC FIRST HPCL Power+ Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude major
Whole cycle's reward points forfeited if minimum due is missed
Before: Points accrued regardless of payment behaviour
After: No points for any cycle where the minimum amount due is unpaid by the due date
IDFC FIRST Millennia Credit Card (IDFC FIRST Bank)
Change effective 2026-01-18 (announced 2025-12-18) — reward, devaluation, magnitude minor
FASTag & railway spends cut to 1X, plus high-usage fees
Before: Earned at card rate, counted toward 10X threshold
After: 1X only; excluded from 10X threshold; 1% high-usage fee
AU CS Credit Card (AU Small Finance Bank)
Change effective 2026-01-17 (announced ) — eligibility, neutral, magnitude major
AU Bank signs MoU with ICSI, opening the door to a CS-specific credit card
HDFC Bank Infinia Metal Credit Card (HDFC Bank)
Change effective 2026-01-16 (announced ) — reward, neutral, magnitude minor
Gyftr voucher cut (5X→3X) announced, then reversed
Before: 5X on Gyftr vouchers
After: 5X retained (change withdrawn)
MakeMyTrip ICICI Bank Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-22) — fee, devaluation, magnitude minor
Dynamic Currency Conversion fee introduced
Before: No separate DCC fee
After: 0.99% DCC fee
Amazon Pay ICICI Bank Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-22) — fee, devaluation, magnitude minor
New wallet, gaming & transport transaction fees
Before: No such fees
After: 1% wallet loads ≥₹5,000; 2% skill-based gaming; 1% transport >₹50,000
Emirates Skywards ICICI Bank Rubyx Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-22) — benefit, devaluation, magnitude major
BookMyShow movie benefit becomes spend-gated
Before: Complimentary 25% off (up to ₹100), twice a month
After: Requires ₹25,000 spend in the previous quarter
Emirates Skywards ICICI Bank Rubyx Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-17) — reward, devaluation, magnitude minor
Insurance, utility, government and education spends stripped of miles
Before: Miles earned on insurance, utility, government and education spends
After: Those categories earn no Skywards Miles
Emirates Skywards ICICI Bank Rubyx Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-17) — fee, devaluation, magnitude minor
New wallet-load, gaming and DCC transaction fees
Before: No fee on wallet loads, gaming spends or dynamic currency conversion
After: 1% on wallet loads ≥₹5,000; 2% on gaming; tier-based DCC fee
ICICI Bank HPCL Coral Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-17) — reward, devaluation, magnitude major
Government, fuel, rent, tax and wallet spends stripped of rewards
Before: Points earned on most retail spends
After: Government, fuel, rent, property, tax & third-party wallet spends earn no points
ICICI Bank HPCL Coral Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-17) — fee, devaluation, magnitude minor
New card and transaction fees introduced
Before: No add-on-card fee; standard transaction charges
After: ₹3,500 one-time add-on (Plus) card fee; revised wallet/gaming/DCC charges
ICICI Bank Platinum Chip Credit Card (ICICI Bank)
Change effective 2026-01-15 (announced 2025-12-17) — fee, devaluation, magnitude minor
New transaction fees on gaming, wallet loads and DCC
Before: No gaming/wallet-load surcharges
After: Gaming 2%; wallet loads 1% over ₹5k/mo; DCC 0.99–3.50%