DevchandraSah/indian-credit-card-facts huggingface dataset:
Axis Bank Reserve Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Reserve Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — lounge, devaluation, magnitude minor
Priority Pass stops working at Indian domestic lounges
Before: Priority Pass accepted at eligible Indian domestic lounges
After: Credit card + boarding pass only; Priority Pass domestic-invalid in India
Axis Bank Reserve Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank MyZone Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank MyZone Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank MyZone Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Fibe Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Fibe Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Fibe Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Airtel Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank SUPERMONEY RuPay Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank SUPERMONEY RuPay Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank SUPERMONEY RuPay Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank Flipkart Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank Flipkart Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Flipkart Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank Shoppers Stop Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank Shoppers Stop Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Shoppers Stop Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
IndianOil Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
IndianOil Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
IndianOil Axis Bank Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — lounge, devaluation, magnitude minor
Priority Pass stops working at Indian domestic lounges
Before: Priority Pass accepted at eligible Indian domestic lounges
After: Credit card + boarding pass only; Priority Pass domestic-invalid in India
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank ACE Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup more than doubles to 3.5%
Before: 1.5% + GST
After: 3.5% + GST
Axis Bank ACE Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank ACE Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
Dynamic currency conversion markup rises to 2%
Before: 1.5% + GST
After: 2% + GST
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — fee, devaluation, magnitude minor
New top late-payment slab of Rs 1,300 above Rs 50,000
Before: Rs 1,200 on any total payment due above Rs 10,000
After: Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — lounge, devaluation, magnitude minor
Priority Pass stops working at Indian domestic lounges
Before: Priority Pass accepted at eligible Indian domestic lounges
After: Credit card + boarding pass only; Priority Pass domestic-invalid in India
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-08-28 (announced 2026-07-29) — reward, devaluation, magnitude minor
Tolls and road fees stop earning rewards; gift cards split into their own category
Before: Bridge fees, road fees and tolls earned at the normal rate
After: No rewards or cashback on bridge fees, road fees and tolls
SBI Card MILES (SBI Card)
Change effective 2026-08-13 (announced ) — transfer, devaluation, magnitude minor
Etihad Guest removed as a transfer partner
Before: Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)
After: Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)
SBI Card Miles Elite (SBI Card)
Change effective 2026-08-13 (announced ) — transfer, devaluation, magnitude minor
Etihad Guest removed as a transfer partner
Before: Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)
After: Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)
SBI Card MILES PRIME (SBI Card)
Change effective 2026-08-13 (announced ) — transfer, devaluation, magnitude minor
Etihad Guest removed as a transfer partner
Before: Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)
After: Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)
Axis Bank Burgundy Private Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 5 EDGE Reward Points : 4 Avios on Burgundy Private
Axis Bank Select Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Select
Axis Bank Rewards Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Rewards card
Axis Bank Horizon Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 2 EDGE Miles : 1 Avios on the Horizon
Axis Bank Atlas Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 2 EDGE Miles : 1 Avios on the Atlas
Axis Bank Olympus Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 1 EDGE Mile : 2 Avios on the Olympus
Axis Bank Reserve Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Reserve
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Privilege
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2026-08-05 (announced ) — transfer, revaluation, magnitude minor
Qatar Airways Privilege Club returns as a transfer partner
Before: Qatar Airways Privilege Club unavailable — removed 2 April 2026
After: Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Magnus
PhonePe HDFC Bank Uno Credit Card (HDFC Bank)
Change effective 2026-08-01 (announced ) — welcome, neutral, magnitude minor
Welcome benefit restructured into five UPI scratch cards
Before: ₹249 PhonePe gift voucher on the first UPI transaction, plus ₹25 on each of the next ten (₹499)
After: Five ₹100 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹500)
PhonePe HDFC Bank Ultimo Credit Card (HDFC Bank)
Change effective 2026-08-01 (announced ) — welcome, neutral, magnitude minor
Welcome benefit restructured into five UPI scratch cards
Before: ₹499 PhonePe gift voucher on the first UPI transaction, plus ₹50 on each of the next ten (₹999)
After: Five ₹200 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹1,000)
IndusInd Bank Platinum RuPay Credit Card (IndusInd Bank)
Change effective 2026-07-31 (announced ) — fee, devaluation, magnitude major
IndusInd stops describing the card as having no joining fee
Before: Product page: "Lifetime Free - Zero Joining Fee & Zero Annual Fee"
After: Product page: "No Annual Fees"; FAQ: "only a one-time joining fee applicable"
HSBC TravelOne Credit Card (HSBC)
Change effective 2026-07-31 (announced ) — fee, revaluation, magnitude minor
Fee-waiver clause widened — add-on spends count, anniversary year, GST reversed
Before: ₹8L on the primary card, measured over the financial year
After: ₹8L across primary + add-on cards, measured over the card anniversary year
HSBC Live+ Credit Card (HSBC)
Change effective 2026-07-26 (announced 2026-06-29) — lounge, devaluation, magnitude minor
Domestic lounges halved; base-cashback exclusions added
Before: 4 domestic lounge visits/yr (1/quarter) · 1.5% earns on hospital, local transport & international spends
After: 2 domestic lounge visits/yr (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spends
HSBC Live+ Credit Card (HSBC)
Change effective 2026-07-26 (announced 2026-06-29) — reward, revaluation, magnitude major
Live+ upgraded — 10% categories widened, cap raised, Visa Infinite
Before: 10% on dining/food-delivery/grocery · ₹1,000/mo cap · 3.5% forex · Visa Platinum
After: 10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200/mo cap · 1.99% forex · Visa Infinite
IndiGo IDFC FIRST Credit Card (IDFC FIRST Bank)
Change effective 2026-07-22 (announced ) — reward, devaluation, magnitude minor
FASTag, railway, government and education cut to 0.5 BluChips
Before: 3 BluChips per ₹100 (base rate)
After: 0.5 BluChips per ₹100
IDFC FIRST Private Credit Card (IDFC FIRST Bank)
Change effective 2026-07-17 (announced ) — fee, revaluation, magnitude major
Annual fee halved to ₹25,000; 50,000-point commencement benefit
Before: ₹50,000 + GST
After: ₹25,000 + GST; 50,000 reward points credited on commencement-fee realization (cards issued on or after 17 Jul 2026)
IDFC FIRST Private Credit Card (IDFC FIRST Bank)
Change effective 2026-07-17 (announced ) — benefit, devaluation, magnitude major
Spend-based milestones discontinued
Before: Renewal milestone reward points on annual spend
After: None — spend-based milestones discontinued
Bank of Baroda Premier Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — benefit, devaluation, magnitude minor
Complimentary accidental death insurance withdrawn
Before: Air ₹50 lakh + non-air ₹10 lakh accidental death cover
After: No complimentary accidental death cover
BOBCARD Select Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — benefit, devaluation, magnitude minor
Accidental death insurance withdrawn
Before: ₹15 lakh air + ₹5 lakh non-air accidental death cover
After: Withdrawn
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — benefit, devaluation, magnitude minor
Accidental death insurance withdrawn
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — fee, devaluation, magnitude major
Finance charge raised to 3.75%/month
Before: 3.25% (39% p.a.)
After: 3.75% (45% p.a.)
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — lounge, devaluation, magnitude major
Lounge spend threshold raised to ₹75,000/quarter
Before: ₹40,000/quarter
After: ₹75,000/quarter
HPCL ENERGIE BOBCARD Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — reward, devaluation, magnitude major
Fuel rewards and surcharge waiver restricted to HPCL's eligible-outlet list
Before: Accelerated 24 RP per ₹150 and 1% surcharge waiver at all HPCL fuel outlets
After: Only at HPCL outlets on the eligible merchant (MID/TID) list HPCL shares with BOBCARD; off-list pumps earn base rate with no waiver
BOBCARD Prime Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — benefit, devaluation, magnitude minor
Complimentary accidental death insurance withdrawn
Before: Air + non-air accidental death cover included
After: No accidental death cover
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — benefit, devaluation, magnitude minor
Accidental death insurance withdrawn
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — fee, devaluation, magnitude major
Finance charge raised to 3.75%/month
Before: 3.25% (39% p.a.)
After: 3.75% (45% p.a.)
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2026-07-15 (announced 2026-06-17) — lounge, devaluation, magnitude major
Lounge spend threshold raised to ₹75,000/quarter
Before: ₹40,000/quarter
After: ₹75,000/quarter
CheQ AU Credit Card (AU Small Finance Bank)
Change effective 2026-07-07 (announced ) — fee, revaluation, magnitude major
CheQ AU becomes lifetime-free
Before: ₹499 joining + ₹499 annual, reversible on ₹3 lakh annual spends
After: Lifetime free (one-time ₹999 + GST applies only to the optional LED Visa variant)
IndiGo Axis Bank Credit Card (Axis Bank)
Change effective 2026-07-03 (announced ) — welcome, revaluation, magnitude minor
Welcome BluChips temporarily doubled
Before: 1,200 BluChips
After: 2,400 BluChips + 6E Eats voucher
Paytm AU Credit Card (AU Small Finance Bank)
Change effective 2026-07-03 (announced ) — launch, neutral, magnitude major
Paytm AU Credit Card launches as a zero-fee UPI-rewards co-brand
MakeMyTrip ICICI Bank Credit Card (ICICI Bank)
Change effective 2026-07-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate
Before: Lounge visits with no spend condition
After: ₹75,000 of spend in the preceding calendar quarter
HDFC Bank Diners Club Privilege Credit Card (HDFC Bank)
Change effective 2026-07-01 (announced ) — lounge, devaluation, magnitude major
Lounge access became spend-gated (₹60,000/quarter)
Before: 2 domestic + 1 international lounge visits per quarter, unconditional
After: Same 2 + 1 per quarter, but only on ₹60,000 spend in the previous quarter
HDFC Bank Diners Club Privilege Credit Card (HDFC Bank)
Change effective 2026-07-01 (announced ) — reward, devaluation, magnitude major
SmartBuy brand-voucher earning capped at 3,000 RP/month
Before: Full 4,000 RP/month accelerated pool usable via vouchers
After: 3,000 RP/month sub-cap on Brand Vouchers (GyFTR/Woohoo)
PhonePe SBI Card SELECT BLACK (SBI Card)
Change effective 2026-07-01 (announced 2026-04-27) — reward, devaluation, magnitude major
Reward-point caps halved and new exclusions added
Before: Flat 2,000 RP/month cap on PhonePe and on online spends
After: 1,500 RP/mo PhonePe (500 RP insurance sub-cap); 1,000 RP/mo online
IndiGo IDFC FIRST Credit Card (IDFC FIRST Bank)
Change effective 2026-07 (announced ) — reward, devaluation, magnitude major
BluChips now forfeited if the minimum due is missed
Before: Credited regardless of payment behaviour
After: Credited on due date + 1 only if the minimum amount due is paid on time
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-07-01 (announced 2026-05-15) — benefit, revaluation, magnitude minor
Boarding Edge programme introduced
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-07-01 (announced 2026-05-15) — lounge, devaluation, magnitude major
Domestic lounge access made spend-gated
Before: 12 domestic visits/year, unconditional
After: 3 visits/quarter, only if ₹60,000 spent prior quarter
HDFC Regalia Gold Credit Card (HDFC Bank)
Change effective 2026-07-01 (announced ) — reward, devaluation, magnitude minor
SmartBuy brand-voucher earning capped
Before: Up to 4,000 RP/mo via vouchers
After: 3,000 RP/mo via Brand Vouchers