DevchandraSah/indian-credit-card-facts huggingface dataset:
IndusInd Bank Celesta Credit Card (IndusInd Bank)
Change effective 2025-05-04 (announced ) — fee, devaluation, magnitude minor
New 1% fee on fuel spends above ₹50,000/cycle
Before: No bank fee on fuel spends
After: 1% + GST on cumulative fuel above ₹50,000 per statement cycle
IndusInd Bank Pinnacle Credit Card (IndusInd Bank)
Change effective 2025-05-04 (announced ) — fee, devaluation, magnitude minor
New 1% fee on fuel spends above ₹50,000/cycle
Before: No bank fee on fuel spends
After: 1% + GST on cumulative fuel above ₹50,000 per statement cycle
IndusInd Bank Samman Credit Card (IndusInd Bank)
Change effective 2025-05-04 (announced ) — fee, devaluation, magnitude minor
New 1% fee on fuel spends above ₹50,000/cycle
Before: No bank fee on fuel spends
After: 1% + GST on cumulative fuel above ₹50,000 per statement cycle
IndusInd Bank Platinum Aura Edge Credit Card (IndusInd Bank)
Change effective 2025-05-04 (announced ) — fee, devaluation, magnitude minor
New 1% fee on fuel spends above ₹50,000/cycle
Before: No bank fee on fuel spends
After: 1% + GST on cumulative fuel above ₹50,000 per statement cycle
IndusInd Bank Platinum Credit Card (IndusInd Bank)
Change effective 2025-05-04 (announced ) — fee, devaluation, magnitude minor
New 1% fee on fuel spends above ₹50,000/cycle
Before: No bank fee on fuel spends
After: 1% + GST on cumulative fuel above ₹50,000 per statement cycle
YES Private Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
YES Private Prime Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
Before: Spends above the limit allowed at 2.5% or ₹500, whichever is higher
After: Withdrawn — such transactions declined
YES Bank Select Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
YES Bank Wellness Plus Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
Before: Allowed, with a ₹500 over-limit charge
After: Transactions above the limit automatically declined
YES First Exclusive Credit Card (now YES Bank RESERV) (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
YES Bank Ace Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
Before: Spends above the limit allowed at a ₹500 charge
After: Spends above the limit declined
YES Bank Elite+ Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
YES Bank Marquee Credit Card (YES Bank)
Change effective 2025-05-01 (announced ) — benefit, devaluation, magnitude minor
Over-limit facility discontinued
Tata Neu Plus SBI Card (SBI Card)
Change effective 2025-04-16 (announced 2025-04-16) — launch, neutral, magnitude major
Tata Neu Plus SBI Card launched
Tata Neu Infinity SBI Card (SBI Card)
Change effective 2025-04-16 (announced 2025-04-16) — launch, neutral, magnitude major
Tata Neu Infinity SBI Card launched
YES Private Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
IndusInd Bank Platinum RuPay Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee raised to ₹149; 50%-of-balance cap added
Before: No 50%-of-balance cap; lower cash-redemption fee
After: ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
IndusInd Bank Pioneer Legacy Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Cash redemption fee raised to ₹149 and capped at 50% of balance
Before: Lower redemption fee; full balance redeemable
After: ₹149 + GST per cash redemption; max 50% of balance
YES Private Prime Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
Before: Government, marketing and advertising spends earned points
After: These three categories earn nothing
IndusInd Bank Tiger Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee added; Pay-with-Rewards value cut
Before: No per-redemption fee
After: ₹149 + GST per redemption; twid capped 12.5% travel / 10% other from 2nd txn
IndusInd Bank Pioneer Private Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude minor
Cash redemption capped at 50% of points balance
Before: Full points balance redeemable against cash credit
After: Max 50% of balance per redemption; points clawed back on delinquency
American Express Platinum Travel Credit Card (American Express)
Change effective 2025-04-01 (announced 2025-03-25) — redemption, devaluation, magnitude minor
Platinum Travel Collection redemption devalued
Before: Taj 0.5/point; Flipkart available
After: Taj 0.4/point; Flipkart removed; Air India 0.3/pt & Postcard Hotels 0.5/pt added
IndusInd Bank Celesta Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee raised to ₹149; 50%-of-balance cap added
Before: No 50%-of-balance cap; lower cash-redemption fee
After: ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
IndusInd Bank Indulge Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced 2025-03-25) — redemption, devaluation, magnitude major
Redemption fee raised; Pay-with-Rewards value cut
Before: Cash redemption fee ₹100; no balance cap
After: ₹149 + GST cash redemption; twid per-txn fees; 50%-of-balance cap
IndusInd Bank Crest Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Cash redemption fee raised to ₹149 and capped at 50% of balance
Before: Lower redemption fee; full balance redeemable
After: ₹149 + GST per cash redemption; max 50% of balance
IndusInd Bank Pinnacle Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee raised to ₹149; 50%-of-balance cap added
Before: No 50%-of-balance cap; lower cash-redemption fee
After: ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
IndusInd Bank Pioneer Heritage Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude minor
Cash redemption capped at 50% of points balance
Before: Full points balance redeemable against cash credit
After: Max 50% of balance per redemption; points clawed back on delinquency
IndusInd Bank Platinum Aura Edge Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee raised to ₹149; 50%-of-balance cap added
Before: No 50%-of-balance cap; lower cash-redemption fee
After: ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
IndusInd Bank Indus Solitaire Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Cash redemption fee raised to ₹149 and capped at 50% of balance
Before: Lower redemption fee; full balance redeemable
After: ₹149 + GST per cash redemption; max 50% of balance
HSBC Premier World Mastercard (HSBC)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Fuel dropped and category caps added to the 3X earn
Before: 3 RP/₹100 on all spends, no exclusions
After: Fuel earns nothing; ~11 categories capped at ₹1,00,000/month
HSBC Premier World Mastercard (HSBC)
Change effective 2025-04-01 (announced ) — redemption, neutral, magnitude minor
Redemption consolidated to the mobile app
Before: PhoneBanking (IVR), online banking and website
After: HSBC India Mobile Banking app only, instant redemption
YES Bank Select Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
Before: Government, marketing and advertising spends earned the base rate
After: No YES Rewardz on those categories
YES Bank Select Credit Card (YES Bank)
Change effective 2025-04-01 (announced 2024-10-30) — lounge, devaluation, magnitude major
Lounge spend gate raised to ₹50,000 a quarter
Before: ₹35,000 per quarter
After: ₹50,000 per quarter
YES Bank Wellness Plus Credit Card (YES Bank)
Change effective 2025-04-01 (announced 2024-10-30) — lounge, devaluation, magnitude major
Domestic lounge spend gate raised to ₹50,000 a quarter
Before: ₹35,000 a quarter
After: ₹50,000 a quarter
YES Bank Wellness Plus Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
Before: Government, marketing and advertising spends earned the base rate
After: These categories earn nothing
IndusInd Bank Legend Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced 2025-03-25) — redemption, devaluation, magnitude major
Redemption fee raised; Pay-with-Rewards value cut
Before: Redemption fee ₹100 + GST; no 50% balance cap
After: ₹149 + GST per cash redemption; twid 12.5% travel / 10% other from 2nd txn; 50%-of-balance cap
YES First Exclusive Credit Card (now YES Bank RESERV) (YES Bank)
Change effective 2025-04-01 (announced 2024-10-30) — lounge, devaluation, magnitude major
Domestic lounge spend threshold raised to ₹1 lakh/quarter
Before: ₹35,000 / quarter
After: ₹1,00,000 / quarter
YES First Exclusive Credit Card (now YES Bank RESERV) (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing & advertising spends stop earning
YES Bank Ace Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
Before: Government and tax payments earned 2 points per ₹200
After: Government, marketing and advertising spends earn nothing
YES Bank Elite+ Credit Card (YES Bank)
Change effective 2025-04-01 (announced 2024-10-30) — lounge, devaluation, magnitude major
Domestic lounge spend gate raised to ₹50,000 a quarter
Before: ₹35,000 / quarter
After: ₹50,000 / quarter
YES Bank Elite+ Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing and advertising spends stop earning points
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2025-04-01 (announced ) — lounge, devaluation, magnitude major
Domestic airport lounge access becomes spend-gated
Before: Free of any spend criteria (per launch terms)
After: ₹20,000 spend required in a calendar quarter (eligibility activates within 2 days of crossing the threshold)
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude minor
ixigo train-booking reward rate halved
Before: 20 RP/₹200
After: 10 RP/₹200
IndusInd Bank Nexxt Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced 2025-03-25) — redemption, devaluation, magnitude minor
Cash-redemption fee raised to ₹149
Before: ₹100 + GST per cash-credit redemption
After: ₹149 + GST per cash-credit redemption
SBI SimplyCLICK Credit Card (SBI Card)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude minor
Swiggy dropped from 10X to 5X
Before: 10X
After: 5X
IndusInd Bank Platinum Credit Card (IndusInd Bank)
Change effective 2025-04-01 (announced ) — redemption, devaluation, magnitude major
Redemption fee raised to ₹149; 50%-of-balance cap added
Before: No 50%-of-balance cap; lower cash-redemption fee
After: ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
IndusInd Bank Avios Visa Infinite Credit Card (IndusInd Bank)
Change effective 2025-04 (announced ) — reward, revaluation, magnitude major
Base earn tripled to 3 Avios per ₹200
Before: 1 Avios per ₹200
After: 3 Avios per ₹200 (6 on preferred destination POS, 5 on BA/Qatar)
IndusInd Bank Avios Visa Infinite Credit Card (IndusInd Bank)
Change effective 2025-04 (announced ) — fee, revaluation, magnitude major
Joining fee slashed to ₹10,000
Before: ₹40,000 joining + ₹10,000 annual
After: ₹10,000 joining + ₹5,000 annual
IndusInd Bank Avios Visa Infinite Credit Card (IndusInd Bank)
Change effective 2025-04 (announced ) — milestone, devaluation, magnitude minor
Milestone cap trimmed to 36,000 Avios/year
Before: 25,000 x2 at ₹8L each = up to 50,000/yr
After: 18,000 x2 (₹8L annual + ₹16L cumulative) = up to 36,000/yr
YES Bank Marquee Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — reward, devaluation, magnitude major
Government, marketing & advertising spends stop earning points
YES Bank Marquee Credit Card (YES Bank)
Change effective 2025-04-01 (announced ) — lounge, devaluation, magnitude major
Lounge access spend-gated at ₹1 lakh/quarter
Before: Lower spend threshold
After: ₹1,00,000 spend in previous quarter
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2025-04-01 (announced ) — milestone, devaluation, magnitude minor
Milestone cashback spend thresholds raised
Before: 5% bonus at ₹7,500 spend per 30-day cycle; 2% bonus at ₹10,000
After: 5% bonus at ₹10,000 spend per 30-day cycle; 2% bonus at ₹15,000
IndusInd Bank Pinnacle Credit Card (IndusInd Bank)
Change effective 2025-03-13 (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 Pinnacle Credit Card (IndusInd Bank)
Change effective 2025-03-13 (announced ) — lounge, neutral, magnitude minor
International lounge access defined as 1 visit per quarter
After: 1 complimentary Priority Pass visit per calendar quarter, outside India
IndusInd Bank Legend Credit Card (IndusInd Bank)
Change effective 2025-03-07 (announced ) — lounge, devaluation, magnitude major
Complimentary airport lounge access discontinued
Before: Complimentary domestic lounge + Priority Pass membership
After: No complimentary lounge (Priority Pass membership retained, pay per visit)
American Express Platinum Travel Credit Card (American Express)
Change effective 2025-03 (announced ) — eligibility, neutral, magnitude minor
New applications paused in India
Before: Open to new applicants
After: Paused for new applicants (existing cardmembers unaffected)
American Express Gold Card (American Express)
Change effective 2025-03 (announced ) — eligibility, neutral, magnitude minor
New applications paused in India
Before: Open to new applicants
After: Paused for new applicants (existing cardmembers unaffected)
Standard Chartered DigiSmart Credit Card (Standard Chartered)
Change effective 2025-03-01 (announced ) — benefit, devaluation, magnitude minor
Myntra 20% instant discount withdrawn
Before: 20% off Myntra, up to ₹700/month
After: Myntra offer removed
American Express Membership Rewards Credit Card (American Express)
Change effective 2025-03 (announced ) — eligibility, neutral, magnitude minor
New applications paused in India
Before: Open to new applicants
After: Paused for new applicants (existing cardmembers unaffected)
IDFC FIRST SWYP Credit Card (IDFC FIRST Bank)
Change effective 2025-02-20 (announced ) — lounge, devaluation, magnitude major
Railway lounge access spend-gated for the first time
Before: 4 visits per quarter, no spend condition
After: Same 4 visits, but ₹20,000 previous-month spend required to unlock
AU Zenith Plus Credit Card (AU Small Finance Bank)
Change effective 2025-01-27 (announced ) — launch, neutral, magnitude major
AU Zenith Plus metal card launches
HSBC TravelOne Credit Card (HSBC)
Change effective 2025-01-22 (announced ) — launch, neutral, magnitude major
HSBC TravelOne launched in India
IndusInd Bank Platinum RuPay Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IndusInd Bank Celesta Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn (KrisFlyer retained at 2:1)
IndusInd Bank Indulge Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude major
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IndusInd Bank Pinnacle Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IndusInd Bank Platinum Aura Edge Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IndusInd Bank Legend Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude major
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IndusInd Bank Nexxt Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption withdrawn
IndusInd Bank Platinum Credit Card (IndusInd Bank)
Change effective 2025-01-21 (announced ) — transfer, devaluation, magnitude minor
InterMiles redemption route discontinued
Before: Points → InterMiles
After: InterMiles route withdrawn
IDFC FIRST EA₹N Credit Card (IDFC FIRST Bank)
Change effective 2025-01-20 (announced ) — launch, neutral, magnitude major
IDFC FIRST EA₹N launched with RuPay
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2025-01-15 (announced ) — reward, devaluation, magnitude major
Category cashback cap halved to ₹500 a cycle
Before: ₹1,000 on each category in a 30-day period
After: ₹500 on each of grocery and apparel in a 30-day period
OneCard Credit Card (BOBCARD)
Change effective 2025-01-06 (announced ) — reward, devaluation, magnitude minor
5X now requires spending across three categories
Before: 5X applied to top-2 categories on any qualifying spend
After: 5X applies only if you spend at least ₹750 in each of three or more categories in the month
Snapdeal BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load, high-value utility and fuel spends
Snapdeal BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, devaluation, magnitude minor
Reward points removed on wallet-load spends
Before: Earned base reward points
After: No core RP on wallet loads (MCC 6539–6542)
Snapdeal BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, revaluation, magnitude minor
UPI reward-point cap removed
Before: Capped at 500 RP per statement cycle
After: Unlimited RP on UPI spends
BOBCARD Uni GoldX Credit Card (BOBCARD)
Change effective 2025 (announced ) — launch, neutral, magnitude major
Uni GoldX launched
Roarbank RuPay Credit Card (Unity Small Finance Bank)
Change effective 2025 (announced ) — launch, neutral, magnitude major
Roarbank RuPay credit card goes live with Unity Small Finance Bank
After: App-first lifetime-free RuPay/UPI card with up to 20% category-choice cashback
ICAI Exclusive BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access gated to ₹40,000/quarter spend
Before: 3 visits/quarter, no spend gate
After: 3 visits/quarter after ₹40,000/quarter spend
ICAI Exclusive BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load, high-value utility and fuel spends
Before: No processing fees
After: 1% on wallet-load, ₹50k+ utility and ₹10k+ fuel
Bank of Baroda Premier Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load and utility spends
Before: No processing fee on wallet loads or utility payments
After: 1% on wallet loads; 1% (max ₹3,000) on utility payments of ₹50,000 or more
Bank of Baroda Premier Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Quarterly lounge access gated to ₹20,000 prior-quarter spend
Before: Complimentary quarterly domestic lounge visit, unconditional
After: Visit requires at least ₹20,000 spend in the preceding calendar quarter
BOBCARD Easy Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load & utility spends
Before: No processing fee
After: 1% on wallet loads; 1% (max ₹3,000) on utility payments ≥ ₹50,000
BOBCARD Select Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load & utility spends
Before: No processing fee on wallet loads or utility payments
After: 1% on wallet loads; 1% (max ₹3,000) on utility payments ≥₹50,000
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Lounge access gated to ₹40,000/quarter spend
Before: Unlimited, unconditional
After: ₹40,000 spend in prior quarter
IRCTC BOBCARD RuPay Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load and utility spends
Before: No processing fee on wallet loads or utility payments
After: 1% on wallet loads; 1% (max ₹3,000) on utility payments >= ₹50,000
Adani One ICICI Bank Platinum Credit Card (ICICI Bank)
Change effective 2025-01-01 (announced ) — reward, devaluation, magnitude minor
Cashback on the American Express variant withdrawn
Before: Amex variant carried cashback offers
After: Cashback offers revoked
HPCL ENERGIE BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude minor
Quarterly lounge access gated to ₹20,000/quarter spend
Before: 1 complimentary domestic lounge visit per quarter, no spend condition
After: 1 visit per quarter, requires ₹20,000 spend in the preceding calendar quarter (waived for the issuance quarter)
SBI Card PRIME (SBI Card)
Change effective 2025 (announced ) — benefit, devaluation, magnitude major
Club Vistara Silver & Trident Privilege memberships discontinued
Before: Complimentary Club Vistara Silver + Trident Privilege Red memberships
After: Both memberships withdrawn
AU Bank Vetta Credit Card (AU Small Finance Bank)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude minor
Domestic airport lounge access made spend-gated
Before: Complimentary come-and-go domestic lounge access, no spend condition
After: ₹20,000 minimum spend per calendar quarter
AU Xcite Ultra Credit Card (AU Small Finance Bank)
Change effective 2025 (announced ) — fee, devaluation, magnitude major
Lifetime-free status ends; ₹749 joining/annual fee introduced
Before: Lifetime free — no joining or annual fee
After: ₹749 + GST joining and annual fee (waived on ₹2,00,000 retail spend from year 2)
AU Xcite Ultra Credit Card (AU Small Finance Bank)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude minor
Domestic airport lounge access made spend-gated at ₹20,000/quarter
Before: 2 complimentary domestic lounge visits/quarter, no spend condition
After: ₹20,000 minimum spend per calendar quarter
HSBC Premier World Mastercard (HSBC)
Change effective 2025 (announced ) — benefit, revaluation, magnitude minor
Airport transfers, meet-and-greet and luxury access added